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MORTGAGE OPTIONS

PERSONAL

  • All In One

  • Conventional – As little as 3% down

  • No Maximum Loan Amounts

  • Condo’s

  • FHA – As little as 3.5% Down

  • VA – For veterans and up to 100%

  • USDA – Up to 100%, does have income and geographic restrictions

  • Section 184 – As little as 2.25% down, specifically for Native Americans with a federal roll card, tribal land acceptable

  • Investment Property - Use DSCR and take advantage of Cost Segregation

  • Second/Vacation Homes

  • Reverse Mortgage Purchase – FHA HECM (Home Equity Conversion Mortgage)

  • Home Construction – One close and two close options, owner occupied, investment property, and builder spec

  • Condos - Warrantable and Non-Warrantable, including Codotel's

  • Purchase Rehab – Escrow repair or full remodel

  • Just for Builders and Developers

  • Unique Property Types

  • 2nd Mortgages

  • Land Only and Development

Open Store Sign

We will consider almost any property type for the commercial lending side, including mixed use.  It is very common in some areas to have a business on a first level or two of a multi-story building with residential multi-family above it.  Below is a list of some of the property types we consider:

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  • Multi-Family condo’s, condotel’s, apartments, investment properties

  • Commercial Office Complexes or buildings

  • Retail areas, strip malls

  • Churches

  • Industrial

  • Restaurants

  • Hotels

  • Hospitals

  • Storage Unit Facilities

COMMERCIAL

For Investors

DSCR or debt service coverage ratio loans are investment or commercial property loans that have the ability to use short and/or long-term projected rental income to qualify the loan. They do work with seasoned and new investors, have the ability to not be reported to personal credit when structured correctly since they are commercial loans, and allow other advantages with depreciation and items such as cost segregation. These loans are available on the commercial side in all 50 states. These loans allow unique property, houses, warrantable and non-warrantable condos, condotels, and multi-family, among other attributes. As commercial options, they are typically at higher interest rates and have higher closing costs than other options, but a quick analysis can see if the pros outweigh the cons and if it is the best option for your situation.

Debt Service Coverage Ratio Loans

50

We can service this type of loan in all 50 states.

Credit

Options to do this loan without showing up on credit report.

Qualify

Qualify for the loan off your property income, not personal income or employment.

VA - FOR VETERANS

We also do the VA Refinance loans. VA has two options for these. If you are already on a VA loan and want to reduce your loan then a great option is the VA IRRRL or Interest Rate Reduction Refinance Loan. This option typically doesn’t require an appraisal and has very low closing costs. This streamline option doesn’t verify income or assets and as long as your mortgage is not over 30 days late for the past year then you qualify.  VA also allows for full qualifying refinances in order to allow up to 100% cash out giving you access to the full equity value of your home. 

An all-in-one mortgage program is a type of home loan that combines a mortgage with a checking account, savings account, and/or a line of credit. The program is designed to help borrowers save money and reduce the amount of interest they pay over the life of their mortgage.

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With an all-in-one mortgage, the borrower’s mortgage payment is deposited into a single account that is linked to their mortgage. The account functions like a checking account, allowing the borrower to deposit and withdraw funds as needed. Any money deposited into the account is immediately applied to the outstanding balance of the mortgage, reducing the amount of interest that accrues on the loan.

Because the account is linked to the mortgage, the borrower can save money on interest by keeping extra funds in the account. For example, if the borrower receives a bonus at work, they can deposit the bonus into the account, which reduces the principal balance of the mortgage and, therefore, the amount of interest that accrues on the loan.

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Some all-in-one mortgage programs also offer a line of credit that the borrower can access as needed. The line of credit is secured by the equity in the borrower’s home, and the interest rate is typically lower than the rate on a traditional credit card or personal loan.

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Overall, an all-in-one mortgage program can be an excellent option for borrowers who want to save money on interest and have the flexibility to manage their finances in a single account. However, it’s essential to understand the terms and conditions of the program and to compare it to other mortgage options to ensure that it’s the best choice for your financial situation.

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ALL-IN-ONE MORTGAGE

REFINANCE

  • Cash-Out Refinance

  • Rehab Refinance

  • Reverse Mortgage Refinance

  • Streamline Refinance

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You can also refinance your mortgage with most of our home purchase options:

  • All In One

  • Commercial

  • Conventional – As little as 3% down

  • High Balance and Jumbo – Loan amounts up to 25 million

  • Condo’s

  • FHA – As little as 3.5% Down

  • VA – For veterans and up to 100%

  • USDA – Up to 100%, does have income and geographic restrictions

  • Section 184 – As little as 2.25% down, specifically for Native Americans with a federal roll card, tribal land acceptable.

  • Investment Property

  • Second/Vacation Homes

  • Unique Property Types

  • 2nd Mortgages

  • Land Only

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