Mortgage Loan Originator
Current
Broward County, Florida, United States
NMLS ID 19505344/28/2023 UPDATED MORTGAGE MENUUS MORTGAGE LENDERS PROGRAMS/ADVANTAGES INCLUDE:· Warrantable up to 97 and Non-Warrantable up to 90% LTV. · We pay for the condo questionnaire and budget for condo approval.· 1% Conventional min 620 credit score with AUS approval. 80% of the area median income. https://sf.freddiemac.com/working-with-us/affordable-lending/home-possible-eligibility-map· 2/1 Buy Down for FHA, Conv, VA, USDA, est cost is about 1.5 - 2% = Note rate 1st year 2% lower, 2nd year 1% lower. · Delayed financing - Cash buyers can refinance right after they buy a house cash· CD issued at initial underwrite and close the same day as ctc. · Waive Escrows and Insurance up to 97% for Free no hits to the rate. · FHA 100% Financing Min 580 credit score. Must get 6% back for seller paid closing cost. 31/43.· FHA, VA Down to 500 Credit score.· NO Credit Score FHA, VA using alt trade lines.· 24/48 hr Approvals w/Avg 15-21 day closing for FHA, VA, Conv.· Bridge for cash out 75% LTV Buy a new home w/12 months to sell current home.· No Ratio Lenders use Credit and Assets To Qualify w/No Income.· No Tax Return Lenders - Up to 90% Bank statement deposits or VOE,1099 or w2.· DSCR Uses Rental Income or AirBNB to qualify - NO Prepayment Penalty - Cash Out Up to 75%· Manual Approvals w Late pays, Bankruptcy, Foreclosure.· ITIN loans with No tax return.· Foreign National Loans Up To 75%.· Condotels Up to 75% LTV.· Land Lenders up to 65% LTV · Manufactured Homes with Land· Property Types include Manufactured Homes, Condotels. All programs are subject to qualifying and subject to change.