Specialty Mortgage Services
Mortgages for First-Time Homebuyers & Investors
Fixed or adjustable rates with flexible terms.
Lower down payment options for first-time home buyers.
No down payment for eligible veterans and surviving spouses.
No down payment for homes in eligible rural areas.
1x & 2x close options
Creative approaches to purchasing investment properties; Bank statement loans & Net Operating Income/Cash Flow
Combining purchase and renovation costs into one mortgage, perfect for buyers looking to update a home.
Seller/Builder/Lender Paid program reduces the buyer’s initial monthly payments.
Available for Conventional, VA, and FHA loans.
• 3-2-1 Year available on Conventional loans, VA loans, and FHA loans.
• 2-1 & 0-1 Year available on Conventional loans, VA loans, and FHA loans.
DSCR-based loans for investors, simplifying qualifications by focusing on potential rental income.
Available for purchase or cash-out refinance, including non-warrantable condos, co-ops, and condotels.
For purchase and cash-out financing, including investment properties.
Short-term financing for clients transitioning between homes, enabling borrowers the flexibility to make non-contingent offers and buy before the sale of their current home.
Ideal for high-net-worth buyers who qualify based on assets, not income.
Access home equity without refinancing the primary mortgage.
Empowering non-SSN (Tax Payer ID) borrowers in the US.
Financing for non-US residents investing in US properties.
Qualify based on potential rental property income, not personal income.
Helps self-employed borrowers qualify using bank statements instead of traditional income documentation.
Providing more affordable homeownership opportunities for your clients.
To assist with down payment and closing costs *Check for availability
Frequently Asked Questions
Yes! Knowledge is power, beyond understanding your own buying power, it allows for the process to move much faster once you’ve found a home and made your offer.
Here are the five things that you need to get together to start the pre-qualification process:
– Proof of income
– Proff of assets
– Credit Score (Good credit)
– Employment verification
– ID Documentation
Yes it can. These changes can come from a variety of factors including fluctuating interest rates, property tax assessments that can change by property location, and other factors. We can discuss these together during your pre-qualification process.
Getting You Into Your New Home
