#Goprimechoice
Select the scenario that matches your situation.
Designed for Self-Employed borrowers that can not meet the current documentation requirements of a traditional conforming loan. This product allows a blending of income between a wage earners paystub and a self-employed borrower using bank statements.
Designed for buyers/owners who are financing an investment property. No income qualification needed.
Fresh Start mortgage offers a homeowner the ability to get back into Home Ownership. You can get a mortgage one day out of foreclosure, short sale, or bankruptcy.
We offer Jumbo loans with much easier guidelines compared to the big banks. With as little as 5% down, we may have options for you!
Use liquid assets to qualify (checking, saving, stocks, IRA, 401K).
Our No Income Home Loan offers flexible options for self-employed individuals, retirees, and those with unique financial situations. This program eliminates the need for traditional income verification. To qualify, you’ll need a credit score of 660 or higher, a 20% down payment for purchases, and some reserves. For cash-out refinances, you can access up to 70% of your home’s value without income documentation.
Self-employed borrowers benefit big time by using their bank statements instead of tax returns. This program allows borrowers to qualify for a higher loan amount for refinances and higher sales prices for purchases. We offer 12 or 24 month bank statement programs with no tax returns required, with loan amounts up to $3,000,000. Less than perfect credit is no problem – we accept scores as low as 620.
How we get home loans done.
1 - Connect With Our Team
You can reach one of our Mortgage Loan Originators by choosing one of the following:
2 - Set Your Goals
Every situation is unique. Our Mortgage Loan Originators will walk you through your options. Find out about monthly payment options so you can identify what you qualify for and what you can afford.
3 - Select Your Loan Program
When financing a home, you want to make sure the loan program you get into is the right fit for you. With our Flexible Choice line of products, we have the program to fit your unique needs. Our Mortgage Loan Originators can help walk you through the options and help you determine what fits your situation.
4 - See if You Can Get Approved
Once you determine that loan that is right for you, it’s time to run your credit and complete a loan application. Your credit report and loan application will be submitted to our automated underwriting engines to determine whether you meet the underwriting guidelines or not. Note: not all consumers will be approved and closed.
5 - Submit Requested Items
Your Mortgage Loan Originator will send you a list of items that are needed to underwrite your application. It’s important to provide all the necessary documentation up front and in a timely manner so that the underwriter assigned to your loan can issue a Loan Approval and work towards getting your loan closed.
6 - Close Your Loan!
After submitting your paperwork for underwritten approval, it’s time to close your loan. The closing of your loan is one of the final steps before your loan can be funded. A loan closing takes place either with a mobile Notary, who will bring the final paperwork to you or with a closing agent, often chosen by the sellers. Note: not all consumers will be approved and close.
