New Stated Income Program for Self Employed!!

THE EXPERIENCE AND NICHE PROGRAMS TO CLOSE YOUR LOANS

-FHA LOANS WITH NO MINIMUM FICO REQUIREMENT

-FULL DOC 90% FINANCING PRODUCT-NON FHA

-2 NEW STATED INCOME PROGRAMS AVAILABLE!!!!!

FULL DOC TO 90% W/ MI, NON FHA PRODUCT

• COVERNTIONAL QUICK AND EASY–ONLY 3 DAYS IN UNDERWRITING,
• VERY LOW RATES!! GREAT FOR BORROWERS THAT NEED/WANT TO AVOID FHA OR PROPERTY IS NOT FHA APPROVED
• 10%+ DOWN
  
• CONDOS OK720 FICO REQUIREMENT41% DTI
  
• RATES CLOSE TO 5%
• NO MORTGAGE INSURANCE REQUIRED W/ MINIMUM 20% DOWN PAYMENT

WE ARE FHA/VA APPROVED!!!!

• NO MINIMUM FICO SCORE REQUIREMENT ON FHA–HUGE NICHE PROGRAM!!!!
• 5 DAYS FROM SUBMISSION TO LOAN APPROVAL
• ONLY 3.5% DOWN ON FHA– VA OFFERS 102% FINANCING
• WE ARE FHA APPROVED SO THERE IS NO THIRD PARTY DELAYS–WE ARE FHA SPECIALISTS!! DONT WASTE TIME ON OTHERS!
• DOWN PAYMENT ASSISTANCE PROGRAM NOW AVAILABLE!! buyer may qualify for zero down, zero cost loan!! call or email for more details

LOAN AMOUNTS UP TO $1.5 MILLION

• FULL DOC INCOME AT 45% DTI
• RATE/TERM, CASH OUT, PURCHASE
• QUALIFYING LTV GOES HIGHER AS LOAN AMOUNT GOES DOWN INTEREST ONLY OPTION AVAILABLE AND RATES START AT 4.85% ON A 5 YEAR FIXED
• ONLY A 650 FICO SCORE REQUIREMENT

STATED INCOME LOAN

• PURCHASE–30% DOWN PAYMENT TO $1,000,000(EXCEPTIONS AT ONLY 25% DOWN WITH GOOD CREDIT,RESERVES)
• REFINANCE–MAX LTV AT 60% TO $1,000,000(EXCEPTIONS TO 65% LTV WITH GOOD CREDIT,RESERVES)
• ONLY THE FOLLOWING COUNTIES QUALIFY:SAN DIEGO,ORANGE,L.A.,VENTURA AND SANTA BARBARA
• RATES STARTING AT 6.5%
• MINIMUM OF 700+ FICO SCORE REQUIRED
• NO CONDOS ALLOWED/NO CASH OUT REFI’S FOREIGN NATIONALS REQUIRE 30-35% DOWN, GOOD RESERVES REQUIRED
• 45 DAY ESCROW NEEDED

STATED INCOME PRIVATE MONEY LOANS

• FAST FUNDINGS 7-10 DAYS
• NO SEASONING
• NO FICO REQUIREMENT
• INVESTOR FIX AND FLIP
• LOAN AMOUNTS UP TO $10 MILLION
• RATES START AT 9%
• 1,2 AND 3 YR LOANS
• GIFT FUNDS OK

VOE ONLY PROGRAM

• WAGE EARNERS ONLY- NO SELF EMPLOYED
• LOAN AMOUNTS UP TO $417K
• INCOME VERIFIED THROUGH EMPLOYER WITH WRITTEN VOE
• CURRENTLY HAS 24 HOUR UNDERWRITING
• OWNER OCCUPIED ONLY
• MAX LTV AT 80%
• 620 MINIMUM FICO REQUIREMENT ON PURCHASE OR RATE/TERM
• DOWN PAYMENT GIFTS OK

As always Contact Us any time. Your success is our success.

By Eddie Stokes California Mortgage 714-681-8209