Real Stated Income for California Borrowers
Wage Earner and Self Employed

Pre Qualification Form

NO Tax Returns Required

NO 4506T form at any time, at Origination or Closing table

No W2's or 1099's Required

Purpose

Purchase, Rate and Term Refinance and Cash Out Refinance Available

Cash out Refinance available to a maximum cash out amount of $500,000 - (requires 740 Credit Score)

Occupancy

Owner Occupied

Non Owner Occupied  (Investment )

2nd Home  (Vacation Home)

700 FICO Credit Score required, no exceptions              Credit Resolution/Repair Form

This program is for the Wage Earner or the Self Employed Stated Income borrower

60% Maximum Financing LTV

Minimum Loan Amount - $100,000

Maximum Loan Amount - $1,500,000

Terms available

5 year ARM

7 year ARM

15 Year fixed

Cash Out Refinance to 85% 600 Credit Score

California First Time Home Buyer - $15,000 Grant

.5% Down Payment Mortgage Loans

Jumbo Loans 85% Financing to $2,000,000

Mortgage Loans for Foreign Nationals - 65% Financing

Short Pay Refinance Mortgage Loans

Refinance to 125% of the Value of Your Home

No Credit Score Reverse Mortgages

Hard Money Mortgage Loans

$10,000,000 Commercial Mortgage Loans

95% Financing - No Mortgage Insurance

Manufactured Home Mortgage Loans

80% Financing - Multiple Unit Mortgage Loans