Recap of our Loan Products:

1). Stated Income Loans (Great for business owners and self-employed) 20% down / 620+ credit score / 2 years business license / 12-24 months bank statements

2). Foreign Nationals Loans (no social security or residency required) 35% down / Foreign passport / Document income outside US

3). Hard Money Loans (28-35% down / minimal documentation) Fund in 7-10 days. 480+ credit score

4). Raw Land and Construction (Bridge Loans) including Spec Home! 75% loan to cost (cost of land and construction budget)

5). 3% down Conventional (Lender paid PMI)

6). Residential Income/Investment Property (including Mixed Use) Purchase and Refinance Loans 20-35% down depending on property, credit etc.

7). Farms, Vineyards, Ranches and Agricultural Properties (25-30% down)

8). Flipper Loans (Flip a property with one of our many options) 30% down we finance acquisition and rehab funds / 1-2 year terms

9). 10.1% down Jumbo’s with NO MI up to $2.5mm

10). Manufactured Housing / Mobile Homes (20% down / 620+ credit score) must be tied to real property/Must be at least double wide/Must be built after June 15th 1976 /

11). Acreage Properties

12). Commercial Loans up to $100mm / Purchase and Refinance Loans 25-35% down depending on property, credit etc.

We also offer:

1). 10, 15, 20, 25, 30 year Fixed, Conventional Conforming Loans (under $424k) 30 year fixed

2). High Balance Conforming aka Super Conforming (from $424k-$636k) 30 year fixed

3). Jumbo’s to $10 Million / Super low rates! / 10% down Jumbo to $2.5mm

4). FHA, VA, USDA

5). ARM’s

6). Reverse mortgages up to $10 Million Value

7). Refinance including Cash Out

I am able to take a Loan Application on a moment’s notice & will be happy to provide Pre approval letters.

Please do not hesitate to call on me on each and every scenario and we will ID best programs.