Brandon Babich Email & Phone Number

Sierra Oaks, Ca 95825

NMLS License #800398/1850

Campbell California

Banc Home Loans is a national federally charted direct lender (Fannie Mae, Freddie Mac and Ginnie Mae) specializing in Conventional, FHA down to 580 credit score, VA and USDA Financing WITH NO INVESTOR OVERLAYS. We offer Down Payment Assistance programs for 1st time home buyers (or haven’t purchased a home in 3 years). Buyers who are eligible only come in with as little as ½% down.Portfolio lending programs:Portfolio Expanded Criteria Program• Purchase/Rate and Term Refinance programs • 1 Day out of foreclosure, short sale and deed-in-lieu of foreclosure allowed• Bankruptcy allowed 2 years from dismissal chapter 7 or 13) • Minimum FICO 660+ credit score• LTV up to 80%Portfolio Bank Statements Program• Self-employed borrowers with 12 months of personal or business bank statements • If business account, borrowers must be at least 50% owner• Loan amounts of $3.5 million• LTV up to 70%Portfolio 1-year Tax Return Program• Self-employed borrowers • Loan amounts to $3.5 million• LTV up to 70% • Purchase, rate and term refi and refi w/cash-out

Roseville California

Guaranteed Rate, Inc. - NMLS ID - 2611

Sacramento California

Sacramento, California Area

Aa Degree, Computer Science

Education record