Hot Loan Program of The Month

Coming Soon

Watch for January 2016 Special

August Program

Get your Deal Done FAST!

 

-Loan Amounts to 3 Million Interest Only or Fully Amortized With Bank Statements!   -85% LTV Bank Statement Program Conforming or Jumbo No MI.   -No Investor Approval Required.   -80% Fixed Rate SECOND TD's With Bank Statements   -85% LTV 2 Years After Foreclosure, Short Sale or BK With Bank Statements 1X30 on Mortgage in past 12 months OK.   -1 Day After Foreclosure, BK or Short Sale OK   -500 Fico Scores OK   -Charge Offs, Collections or Repossessions 2 Years Old or More Do not Need To Be Paid Off!   -No IRS 4506T   -No Reserves Required On Any Loan For Rentals or Owner Occupied   -65% LTV Cash Out 1 day after Foreclosure BK or Short Sale Owner Occupied or Non Owner.   -Completely Stated Income to 70% LTV Non Owner Occupied.   -Non Owner Occupied Cash Out to 70% LTV Up to 20 Properties Financed.   -We Do Condotels   -Non Warrantable Condos   -Business Loans 

 

 

 

 

 

 

 

 

 

April Program

Special for non-prime borrowers!

• Business or Personal Statements to 90% LTV!!!
• 100% of Deposits for Personal Statements!
• 50% of Deposits for Business Statements!
• Don't look at Withdrawals!
• Don't look at Overdrafts!
• No P&L!
• No Reserves! 


90% LTV - 2yrs from Foreclosure, Short Sale or BK
Interest Only Available

Up to $3,000,000 Loan Amounts

Requirements:                                                   Learn More Click Here!
1. 24 Months of Statements
2. Owner Occ. w/ 600 Fico, Non Owner & 2nd Homes w/500 Fico
3. Self Employed and 1099 borrowers only
4. Only 6 NSF's in most recent 12 months

We Have Lowered Our Rates and Raised LTV

No Investor Approval Required!

Get your Deal Done FAST! Non Warrantable Condos (we get them done)

 

  • 85% Jumbo No MI Bank Statement Program

  • 1 Day After Foreclosure, BK or Short Sale OK

  • 500 Fico Scores OK 

  • Charge Offs, Collections or Repossessions 2 Years Old or More Do not Need To Be      Paid Off!

  • No 4506

  • No Reserves Required On Any Loan For Rentals or Owner Occupied

  • 85% LTV Bank Statement For Self Employed

  • 80% LTV 2 Years After Foreclosure, BK or 1 year  after Short Sale With Bank  Statements.

  • 65% LTV Cash Out 1 day after Foreclosure BK or Short Sale.

  • Completely Stated Income to 70% LTV Non Owner Occupied.

  • Non Owner Occupied Cash Out to 75% LTV Up to 20 Properties Financed.

 

 

For more detail on this program and find out if you qualify for this  loan, Please fill out the inquiry form below. Someone will contact you immediatly to discuss your specific scenario;  

NMLS ID#248451

March Program

Back Home

 

  • $850,000.00 Max Loan Amount

  • $100,000.00 Minimum Loan Amount

  • 620FICO Minimum

  • 80%LTV Max

  • 2 Years out of Short Sale

  • 3 Years out of Foreclosure

  • 2 Years BK Discharge

 

 

For more detail on this program and find out if you qualify for this  loan, Please fill out the inquiry form below. Someone will contact you immediatly to discuss your specific scenario;

NMLS ID#248451

 

February Program

No Tax Return Stated Income Loan

1) Stated Income - up to 75% LTV 

- Fico 680, with Job Information
- 30% Downpayment
- 4.75%, 7 Year ARM. 30 Days Closing.
- Self Employee Stated income OK !~!~
- Cashout LTV 50%

- SFR, 2-4 unit and commercial

Rates starting at 6.99%

 

2) Hard Money Special, Closing 7 Days
- Rate 9.0%, 1 day Approval. LTV 70%
- Commercial Cashout Max LTV 70%, 
- No Tax Return.

3) Commercial Loan Full Doc & Easy Doc
- Apartment Loan, Shopping Center etc
- Cash out Max 70% for working capital, 
- No Tax return.

4) Foreigner 40% Downpay
- Reserve money 24 months PITI

5) Credit Account Adjustment
( Upfront 30%, after 70%)
- $500/item, Late payment account, 
- delinquency 
- $1,000/item, Bankrupcy, Judgement, 
-Tax Lien , Public Record
- Refund Guarantee

6) 1 Day out of Foreclosure(New)
- LTV 80% to 1 million
- 5/1 ,7/1 ARM
- No prepay penalty
- Allows for 1 day out of Foreclosure
- Full Doc, Primary Residence Only.

 

For more detail on this program and find out if you qualify for this  loan, Please fill out the inquiry form below. Someone will contact you immediatly to discuss your specific scenario;  

NMLS ID#248451

January Program

 75% LTV- 700 FICO- 50% DTI-1MM

Primary, 2nd Home & Investment

  • SFR, PUD, Condo & 2-4 Units

  • 75% LTV Loan Amount up to $1MM

  • Cash-Out is allowed for N/O/O & 2-4 Units

  • Cash-Out up to 65% LTV for All Property Type

  • Bankruptcy, Foreclosure, Short Sale: 7 Years

  • Gift Funds are Not allowed

  • Reserves: 6 months PITI

  • 1099 Borrower Allowed

  • EMAIL ME YOUR LOAN SCENARIO

 

For more detail on this program and find out if you qualify for this  loan, Please fill out the inquiry form below. Someone will contact you immediatly to discuss your specific scenario;  

NMLS ID#248451

December Program

You Asked for the 80/10/10

 

AND WE DELIVERED! 

-  Up to $500,000 Second loan amount

-  Piggyback HELOC or Fixed

-  Purchase or Refi (No cash out)

-  Owner Occupied or Second Vacation home

-  Single Family, PUD or Condo

-  Credit Score 720

-  Debt to income ratio 43%

-  Low Rate

 

For more detail on this program and find out if you qualify for this  loan, Please fill out the inquiry form below. Someone will contact you immediatly to discuss your specific scenario;  

NMLS ID#248451

November Program

One Day Out Of Short Sale

Now we offer; 

- $1,000,000 loan amounts are here!!!

- One Day out of Short Sale OK!

- 620 Fico OK!

- Bank Statements for income OK!

- Bankruptcy  1 Yr out OK!

- Owner Occupied property ONLY

- 70% Loan to Value to $1mil.

- 80% Loan to Value upto $750K

- 50% Debt to Income Ratio

- Bank Statements for Self Employed or 1099 ONLY 

- NO PrePay Penalties Period!

- 30 Yr amortization - No Balloons

 

For more detail on this program and find out if you qualify for this  loan, Please fill out the inquiry form below. Someone will contact you immediatly to discuss your specific scenario;  

NMLS ID#248451

September Program

You asked for 100% Financing Purchase

AND WE DELIVERED!

  • First Time Home Buyers 

  • Second Time Home Buyers Also OK

  • Down payment or closing cost assistant upto 3% (second loan)

  • Owner Occupied Only

  • Must use FHA first loan Maximum Loan amount $417,000 on first

  • 3% Second loan, 15 Years term.  Fixed  low interest rate

  • Credit Score 620

  • Collection under $5,000 no need to pay

  • Debt to Income Ratio 45%

  • 1-2 Units (2 units Max first loan amount $533,850)

  • PUD and FHA approved Condos  

  • You bring .5% of your own money into transaction

 

For more detail on this program and find out if you qualify for this  loan, Please fill out the inquiry form below. Someone will contact you immediatly to discuss your specific scenario;  

NMLS ID#248451

 

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NMLS ID: 248451

CalBRE 01225768

 

© 2017 HomeSmart/Evergreen Realty