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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.

Helping Teachers Teach and Students Learn via Technology, enabling learning for all – any time, any place. Responsible Stewardship of Technology Assets.

SAP Partner Vision33

Data Center Hardware and Software, Engineering and SAP ERP Consulting

Product Lifecycle Management, Search Based Applications, ENOVIA, EXALEAD, DELMEA, 3DVIA, 3DSWIM, SOLIDWORKS, CATIA,

Sales and Implementation of SAP Business One ERP projects. Implemented inventory and accounting controls, formalized business plans and implemented marketing procedures to grow the customer base at wholesale distributor of computer networking equipment.

Wholesale Distribution and Manufacturing Edition

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• Responsible for leading the technical aspects of Commtouch’s introduction to the Caribbean, Latin America and Brazil markets.

Caribbean, Latin America, Brazil