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Loan Programs
Pre-Approvals
Refinance, Cash-Out or No Cash-Out
Fixed Rate Mortgages
Jumbo Mortgages
Investment Property
97% Home Loan
Adjustable Rate Mortgages
More Loan Programs
No Money Down Loans
Self Employed Borrowers
No Income Verification Loans
20 Year Loans
Less Than Perfect Credit Loans
Apply today and I will provide you with a Pre-Approval Certificate.
Then you can shop for your dream home and:
You know exactly what you can afford.
You can shop with confidence.
The seller will take you offer more seriously knowing you are virtually a cash buyer.
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Even with limited or spotty credit history you can reach your dream of homeownership:
As little as a favorable 12-month rental history required.
An affordable 3% down payment - some programs may also allow
a gift for a portion of the 3% down payment
Less income required - expanded debt ratios make it easier to qualify.
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Fixed Rate Mortgages
Is the right option for you if:
You want the certainty of a fixed principal and interest payment
Are on a fixed or tight budget
Believe interest rates will or may go up
Plan on staying in the same home for a long period of time
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This is the right option for you if:
You plan on moving or refinancing within 5 years of the mortgage transaction.
Some of the many benefits of adjustable loans include the following:
Fixed for 1/3 or 5 years at a lower rate than is available for a
fixed loan
You can save thousands in monthly payments over the first few years
The interest rate and/or payment caps help keep payments within reach if and when the rate adjusts upward
The rate is typically limited to a one or two percent (1-2.00%) change in either direction per adjustment and a maximum of six percent (6.0%) over the life of the loan
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Many homeowners have found ways to increase their monthly cash flow or obtain additional money for home improvements by refinancing their current mortgage:
Payoff high interest rate credit cards
Get cash for any purpose
Fixed rate or adjustable rate programs available 30, 25, 20, 15 or 10-year terms
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Jumbo mortgages are categorized as loans in excess of $322,700.00 for single-family residences
Jumbo loan amounts are usually 1/2% to 1% higher than conventional loan amounts.
Available up to 2 million dollars
Purchase, refinance or refinance with cash-out
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Investment Property
1,2,3 or 4 unit properties
Up to 90% financing available.
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CA Department Of Real Estate, License
#00654852
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Pre-Qualify Right Now!
Free, No Obligation
