Economists talk about the potential for a V shaped recovery from the pandemic and that is exactly the pattern displayed by the National Association of Home Builders (NAHB)/Wells Fargo Housing Market Index (HMI). The HMI, a measure of builder confidence in the market for newly constructed homes, rose 14 points this month, completing the upward leg of the V and returning to its pre-pandemic March reading of 72. The index had plummeted 42 points in April before staging a three-month comeback.

Recap of our Loan Products:

  1. Stated Income Loans (No Tax Returns, no W-2s, No P&L) up to $5M
  2. Bank Statement Income Loans (Great Bank Statement Program for business owners and self employed)
  3. Hard Money Loans (As low as 20% down / minimal documentation) Fund in 7-10 days.
  4. Flipper Loans (Flip a property with one of our many options)
  5. Line of Credit
  6. 100% Financing (cross collateralize)
  7. Foreign Nationals Loans (no social security or residency required)
  8. Raw Land & Lot Loans
  9. Ground up Construction for spec homes, custom home’s and commercial ground up to $500M.
  10. 2nd Position Loans up to $5M
  11. Rental Property Loan – No tax returns or DTI calculation! Based on subject property cash flow
  12. Farms, Vineyards, Ranches and Agricultural Properties (25-30% down)
  13. 10% down Jumbo’s with NO MI up to $2.5M
  14. Manufactured Housing / Mobile Homes (20% down / 620+ credit score)
  15. Acreage Properties
  16. Commercial Loans up to $500M
  17. 5% down Jumbo (Up to $2M Lender paid PMI)

We also offer:

  1. 10, 15, 20, 25, 30 year Fixed, Conventional Conforming Loans (under $484,350)
  2. High Balance Conforming aka Super Conforming (from $484,350-$726,525)
  3. Jumbo’s to $10 Million / Super low rates! / 10% down Jumbo to $3mm
  4. FHA, VA, USDA
  5. ARM’s
  6. Reverse mortgages up to $10 Million Value

We recently saw a report that indicated builders confidence crushed expectations and now we see another massive jump in builder confidence!

Let’s rock!