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Know
Your
Mortgage.

Conventioal

CONVENTIONAL

  • Most popular mortgage option for refinances on primary residences, second homes, and investment properties

  • As low as 3% down

  • No PMI under 90% LTV

  • Flexible terms (pick any number of years, 5-40)

  • Competitive interest rates

  • Low cost, no upfront mortgage insurance or funding fees

  • Cash-Out up to 80% LTV on primary residences and 75% on investment

  • Loan Amounts up to $1,073,000

FHA

FHA LOAN

  • Most popular mortgage option for first-time homebuyers

  • $100 down-payment options

  • Easier to qualify with high debt-to-income ratios

  • FICO can be as low as 500 on purchases, rate/term refinances and cash-out refinances

  • Loan amounts up to $2,064,000

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VA LOAN

  • Lowest interest rates for veterans

  • No down-payment required on purchases

  • Cash-Out up to 100% LTV

  • No appraisal needed on VA IRRRL Streamline (Interest Rate Reduction Refinance Loan)

  • You may be exempt from the VA Funding Fee

  • No Credit Score Requirements

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VA
Bank Statement

BANK STATEMENT LOAN

  • Most popular mortgage product for self-employed business owners with high business expenses

  • Qualify your income based off of only bank statements, no tax returns, 1099s, paystubs or profit and loss statements

  • No mortgage insurance ever!

  • Close in 14 days

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INVESTOR DSCR

  • Most popular mortgage product for real estate investors

  • Qualify your income solely off of the fair market rent of the property you are purchasing or refinancing

  • Purchases, rate/term refinances and cash-out refinances

  • No paystubs, tax returns, W2s or debt-to-income ratio

  • Put as little as 10% down

  • Close in 14 days

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DSCR

COMMERCIAL LOANS

  • Invest in commercial properties like office buildings and retail centers

  • Available on purchases, rate/term refinances and cash-out refinances

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Commercial

CONSTRUCTION LOAN

  • Quick cash to build your dream home from the ground up

  • Competitive rates and low cost

  • Quick and easy funding

Construction
Reverse

REVERSE MORTGAGE

  • Is a reverse mortgage right for you?

  • Gain access to the equity you have in your home

  • Receive funds in cash at closing, a line of credit, or monthly payments

  • Applying for a reverse mortgage requires government approved counseling, so make sure you ask Evan for a proposal and a list of counseling providers

JUMBO LOAN

  • Big Loans for Big Houses

  • Loan amounts up to $20M

  • Competitive rates near conventional

  • Bank Statement and Stated Income Loan Options

  • No escrow/impound account required

  • Investor Loan Options

  • 14 Day Closing

Luxury House
Jumbo

Got Questions?  We have answers.

Click below for all the ways to get in touch!

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