Current Lender Niches

Still have Stated Income. Also, with tax returns we can do full income documentation using the gross income figure, not the "adjusted gross income" - Residential lending is ever evolving --- Do not judge your credit profile --- Loan amounts from $10,000 To $100,000,000 - Over 9 billion funded --- Featured loan programs to you - 3 & 5 Year Interest Only / Amortized Portfolio loans to a loan amount max of $2,500,000. These qualify on the Interest Only payment and are one of the best selling product lines because of our portfolio niches - If you have equity and strong principals, bring it to the table - 6 Month Libor and COFI that have an Interest Only payment that adjusts every 6 months. Very Low payment with no negative amortization. 30 Year conforming fixed rates, 15 Year, 10 Year, 20 Year, and 40 Year fixed amortized loans. Also includes a 10 Year I/O for conforming. Jumbo Conforming fixed 30 & 15 year Conforming 3 Year and 5 Year fixed/amortized includes a conforming 5 Year Interest only Libor product. 1 Year fixed Interest Only / Amortized Portfolio loans that have a 5 Year Interest Only payment that adjust every year on CMT and margin, Loan amount max is $2,500,000 and this product may have a lower 2nd year payment - fha all 50 states - loan modification available - 30y fixed - all 50 states - no debt to income or fico required for 80% financing - Condotels, Full doc single family residence and 2nd homes to $750,000 80% ltv financing and 90% combined financing 3/1io ( seller held financing) Non owner occupied 70% ltv financing and 75% combined loan to value - stated income for condotels, primary residence and 2nd home allowed to 70% ltv financing, 75% combined loan to value on a 3/1io - A, alt-a and sub prime - Manufactured homes - On line pricing engine - Commercial Loans to 10 billion - Pledged assets - LLC loans - Prime + 1 full doc on commercial to $750,000, stated income - Gas stations, Co-ops, Trophy homes, International commercial loans, Churches, schools, marina’s, casino’s, apt buildings, air craft, ships, movies, tv pilots, cross collateralization, flower shops etc - Refi on existing buildings for upgrades - New construction - No limit on loan amounts - A & Alt-A Products - SIVA Programs Available - FHA & FHA Jumbo - Expanded DU Approvals EA 1, 2, & 3 - Jumbo - Conforming Products - 1 Day off MLS Market Refinance – much much more----Let the loan professional qualify you; A PROFESSIONAL LOAN OFFICER CAN PREPARE YOUR APPLICATION TO ACCOMPLISH WHAT YOU ARE LOOKING TO ACHIEVE - APPLY NOW

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Programs We Offer

Contact a Loan Officer

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Quick App

Hard Money Seconds CA AZ NV and OR

· No Fico/credit score requirement..any Fico OK!

· Financing up to 60%, 70% exceptions Combined Loan To Value.

· Stated Income / Stated assets, V V O E - Verbal Verification of Employment

· NOD - Notice of Default OK

NOS - Notice of Sale OK

· Max loan amount $250,000.

· 80% available draw day of closing. Remaining balance available in 30 days.

· 2 - 6 months reserves - Underwriters discretion.

· NO Prepayment penalty.

Property Types:

SFR - Single Family Residence

Condos

PUD's

2-4 Units.

CONDOTEL MATRIX AND GUIDELINES

STATED INCOME AVAILABLE
100% OF DEVELOPMENT PURCHASE ONLY
6-12 MO Principle Ins.Tax Insurance AFTER DOWN PAYMENT
SIVA AND SISA
2^ND HOMES
70%LTV MAX FINANCING FOR CONDOTEL
680 MIN FICO AND NO PRE PAYMENT PENALTY

We can do a reverse mortgage as a purchase!

• Must be 62 years of age or older to qualify.
• Owner occupied.
• Employment not needed.
• No assets.
• Credit score is not required and senior can have current mortgage lates.
• No income to qualify.
• No monthly mortgage payment for the senior after the home is purchased.
• The reverse mortgage is not due unless the homeowner moves out permanently, sells the home or passes away.
• A reverse mortgage can not go into foreclosure as long as the senior lives in the home, considered non-recourse loan.

Over 20 years of experience in doing Reverse Mortgages.

95% LTV Financing in Declining Market

Loan Amounts to $729,000

SFR

1 - 2 units OK

620 credit score OK

PurchasE or rate and term refinance

Arm and fixed rates available

Jumbo Private Hard Money Program

Just Funded: $980,000 1st TD, $1,100,000 1st TD, $700,000 1st TD, $150,000 2nd HELOC, $250,000 2nd HELOC, $185,000 2nd HELOC, $145,000 2nd HELOC, $300,000 HELOC
All Property Types (Except Land & Manufactured Homes)
1st Trust Deeds Available
2nd Trust Deed HELOC's from $100k - $10M
Bridge Loans
Current NOD / NOS = OK
Current Bankruptcy = OK
Mortgage Lates = OK
Low Fico Scores = OK
Quick Funding

HELOC product, California & Texas only
Max line - $350,000
Max LTV – 75%
Min FICO – 650
Primary residence only
Fixed rate available

MEXICO: Commercial ONLY. This can be better than financing abroad and the borrowers can be from anywhere. They don’t need to be from U.S.
Commercial properties, including land developments
Up to 50% gross loan of the CBRE 180 day “as-is” value, no future.
1 year term, with one year extension
Term - 12 months interest only

CONDOTEL Nevada will vary and Foreign Nationals

100% OF DEVELOPMENT PURCHASE ONLY

6-12 MO PRINCIPLE-INTEREST-TAX-INS. AFTER DOWN PAYMENT

SIVA (stated income verified assets) AND SISA (stated income stated assets) 2^ND HOMES

70% financing for condotels

680 Minimum FICO and No Pre Payment Penalty

Full Doc and Stated Income available

Residential full doc to 95% Financing stated to 80% Financing

We do all 50 states

Loans to $ 100 Mil -100,000,000

Min loan $250,000 - Stated Income Verified Assets

A, alt-a and sub prime, hard money

WE DO MEXICO LOANS

Commercial

condotels

Loans to 10 billion if that's what you need

Pledged assets, LLC loans too

Flower shops, gas stations

Co-ops

Trophy homes

International commercial loans

Refinance or purchase; Churches, schools, marina’s, casino’s, apt buildings, air craft, ships, movies, tv pilots, cross collateralization,

Refinance on existing buildings for upgrades. New construction ( ready to pound nails)

No limit on loan amounts

If you have equity and strong principals, bring it to the table now!

90% LTV FINANCING Cash out refinance Awesome $900k Jumbo Pricing!

3/1 ARM available, I/O (interest only) available
5/1 ARM available, I/O (interest only) available
30 Yr. Fixed too!

THE RIGHT NICHES AT THE RIGHT TIME!

We're still doing loans in declining markets, while other lenders have left the state!!!
Super competitive I/O’s. Awesome fixed rates, and still offering Option ARMS/Hybrids.
We qualify debt ratio on the Interest Only payment, not the fully amortized payment!
LOAN AMOUNTS TO $ 3 MILLION!!!
Only 1 appraisal required for loan amounts to $ 3 Million.
Up to 45% DTI allowed on owner occupied properties 80% ltv and below with 680 fico
2x30 Mortgage lates allowed in the last 24 months, 0x30 in the last 12 months.
12 months bank statements as Full documentation for self employed borrowers.
For Asset verification on Full Doc, we only require 2 Months bank statements to verify 2-4 months PITI, principle, tax and ins.
Gift equity allowed for full doc purchases ( NO MONEY DOWN )
Permanent Financing out of Construction loans considered a rate & term and not cash out!!!
Full Doc on 1-4 Units Investment properties to 70%. No limit on amount of properties FINANCED by 1 investor.
Borrowers can finance up to a total of 4 properties with Downey or up to $ 2 Million total in loans. ( ask for more details )
No Seasoning required for R/T refinances, one day on title, one day out of purchase. WE TAKE CURRENT APPRAISED VALUE!!!
Payoff of seasoned 2nd TD considered R/T(must be 12 months old, draws with the last 12 months okay)
Non-occupying coborrowers can help you qualify(blend ratios)
Non-Applicant spouse income can help you qualify regardless of their fico score

Cashout 30yr Fixed JUMBO, LTV up to $650K

590 fico, 85% LTV, full doc, 2x30 g, max 450K

New qualifying debt and LTV ratios on hybrid fixed rate option arm program - We are now qualifying on the Interest Only payment with T&I based on the Note Rate. The new DTI maximum has been raised up to 50%. Minimum FICO score required is 620 for Full/SIVA doc types on Purchase/Rate & Term/Cash Out on 1-4 units up to 80% LTV. 75% LTV allowed with a 660 FICO on Full Doc and 700 FICO on SIVA.

Use current appraised value on all rate and term refis day 1 (all occupancy types).75% cash out day 1 using current appraised value (all occupancy types). 80% or less use cash out as reserves on MTA and Secure POA 8540607

One of the few remaining OptionARM “Portfolio Lenders.” We make exceptions on loan amounts up to $10 million for those 1,2, or 5-year Fixed Pay Option ARMs that may be outside of the box. We use your credit report, allow for LTVs to 95% within no additional MI payment, have “No Ratio” loans, and love Super-Jumbo loan amounts.

100% Purchases, Full Doc with 660+ mid fico. 100% Refi’s, Full Doc with 640+ mid fico. NO reserves. 95% LTV Full Doc with 580+ mid fico and NO tradeline requirements. 80% LTV Full Doc with 500+ mid fico.

FICO only program. This program allows for serious mortgage lates to be disregarded as long as you have 0 x 120 in the past 24 months. 30’s, 60’s, and 90’s are okay! Available to 80% LTV stated doc, and 85% LTV full doc. The next “hot” program we have is our low LTV/low FICO “hard money” program. This is available to 65% LTV with cash out to $150,000 allowed. It is also available to 70% LTV with no cash out. The minimum required score is 460, and it is available on both full doc and stated doc. It is basically a hard money loan without the fees! The rates are very competitive, too! Our third “hot” program is our new mortgage only product. This mortgage only allows for 0 x 30 in the past 6 months, and up to 2 x 30 in months 7 -18 (requires an 18 month mortgage history). There is “no credit score required” on this program. The max LTV is 80%, attractive rates, too!

3 radical programs that can help you: 1.) Rapid Refinance - allows you to go Stated Income at High LTV’s with a clean 18 month mortgage history (0 x 30) and no changes to title for the past 18 months. 2.) Full Doc Income ( Bank statements OK for Self-employed & 1099’d borrowers!) Refinances are eligible too on this program! 3.) “Best Mid-Score Program” Allows borrowers with a joint credit history & a history of living together to use whichever wage earner’s mid-score is higher! Both borrowers must have mid score above 540 and minimum income required for lower earner is 20% of combined income!

Reverse Mortgages can now be done on Second homes including condos with our new Cash Plus program. No max loan amount. Our easy to use software program gets you in the Reverse Mortgage.

Direct private money lender funding between $100,000 and $20 million. We do 1-4, multi-family, multi-use, commercial, land, and construction. There is no minimum FICO, but need “full doc” with LTV’s of 70 to 75%. We also do many stand-alone 2nd’s - cash out OK, with no seasoning issues or maximum loan amounts. Best for last – we never have a prepay penalty!!!!

90% LTV to 1 million primary and second residences, fico scores as low as 720 (purchase and rate and term) Equity lines to 89.9% fico scores as low as 660!
5550607

Our Niche Products: 90%, Option arms, No ratio, siva, niva,sisa loans, No trade lines required to 100%, All condo types and condotels, Jumbo and super jumbo loans, 1 day out of MLS, FHA & conventional loans, NO seasoning on cash out refinances!, New 100% CLTV 5 year fixed pay option arm!

NO DOC OPTION ARM!! TO 90% ltv Also: 90% LTV--No Ratio! with only 620 fico score! Overstated income is a thing of the past! Even cash out to 90%!!

680 middle score full doc/ for Rate/Term refi or Purchase. 90 CLTV on MTA with a 720 mid score full doc, 740 for Cashout refi.

STEADY OPTION POWER ARM!!!!!! 5 Yr INT ARM with a min payment for the first 5 years of I.O. based upon 3% below note rate. Interest Only for the first 5 years of the loan!!!!! In many cases the payment is lower than a traditional Option Power ARM.

If it takes longer than 2 weeks to fund your loan it’s because you are holding up the process!! Low Margin Pay Option Arms, 1.50% Start Rate - 40 Year Term – SIVA, 75% LTV/CLTV to $1,000,000, Purchase, Rate and Term refi, or Cash Out, 125% Neg Am Cap – 10 Year Recast, 680+ Fico.

We specialize in 2nd’s and 125 % products both fixed rates and HELOC’s. We also have stated 2nd’s to 90%.

Easy full doc programs! 55% Debt To Income ratio, Can qualify Room Rent as income, use 90% rental income.

Cash-out Pay Option Arm Down to 680 FICO! Full Doc to 90% LTV. Jumbo Pay Options with a 660 FICO. Cash-Out 720 FICO score to 70% cltv. No pre-pay options. MI and No MI products available.

The nations leading privately owned bank goes big on its Option Arm with 155% deferred interest!! Thats the BIG part. The loan features an annual fixed year payment increase at .25% Interest Only, instead of the traditional 7.5% payment increase. The loan also uses a 5 yr fixed note rate instead of the traditional Index + margin.

Loan amounts up to $6MIL Full Doc or Stated, $4MIL No Ratio, $3MIL No Doc, Full Doc / Stated – Interest Only Arms or 40/30 even on NO DOC, 740+ credit score Alt. A Minus / 680+ credit score Alt. A Prime, Stated Retired - No Award Letter (620+ fico), Up to 6 Wells Fargo Financed Properties, Up to 95% LTV Cash Out on No Ratio to 500k, Up to 90% LTV. We Lends in all 50 States, 1 Day On Title for New Appraised Value, Expanded property types to include: Condotels (720+), Non-warrantable condos.

New Option ARM. 5/1 Interest only with low payrate option of 3% below start rate with LTV less than 80%. The rate is fixed 5 years with 4 payment options. IE: Min. pmt. 2.75%, IO pmt 5.75% (rate locked here for 5), 30 year at 5.75, and 15 year . It’s the “secure” option ARM. Up to 115% max neg. All doc types.THE EAGLE HAS LANDED!

Savings Option ARM is still the BEST OPTION for the borrower 10 year recast, 125% max balance, and super low margins, plus, getting A paper rates. Fico scores in the
878110606

wow! Look at this: Chapter 13 buyouts after 18 months with 620 fico to 90% loan to value and 600 to 85% ltv//Part time acceptable at 12 months//2nd allowed on non-owner to 95%cltv// stated income non-owner occupied to 70% LTV!!

NEW OPTION ARMS: MTA AND COFI START RATE AS LOW
AS 1%. A Paper Fico.
Full Doc 640 and Stated Income for 681 credit score. Purchases Cash out to 70% LTV for 68o credit score. 2/28 and 30yr fixes. Super Jumbo to 65% LTV to 4,000,000.00 80% loan to value interest only payment option to a 1 million full doc.

- NO SEASONING REQUIRED! Use NEW appraised value day after purchase! Get Cash-Out! Or Lower Rate! 6 Mo. LIBOR ARM - 2/28, 3/27, 5/25 INTEREST ONLY Option -- 90% LTV NO PREPAY!
5/1, 7/1, 10/1 ARMs & 30 Year Fixed - paired with HELOC 2nd! Interest Only 1st & 2nd! 100% ALT-A PURCHASE TO $750,000 DOWN TO 680 Full Doc, 720 Stated Income! 6 Months Reserves

85% first Interest-Only, Full doc or 12 month bank statements for a 660 FICO. No Mortgage Insurance on any products. Qualify on Interest Only payments to 50% Debt To Income. 90% LTV 1st. 85% to $950,000.00. PURCHASES: 1st time buyer is fine, 6% seller-paid NRCCs, no payment shock.

90% ltv / loan to value investment properties (1-2 Units) Full Doc, sfr/Single Family Residence -680 Score 2 Units -720 Score
90% ltv / loan to value Full Doc Owner occupied 1-2 Units -620 Score 3-4 Units -0 Score
90% ltv / loan to value Stated Income Owner occupied 1-2 Units -700 Score 3-4 Units -720 Score
90% ltv / loan to value No Ratio Non Owner occupied 1-2 Units -740 Score 3-4 Units - - not available

Investment Property Specialist -- No Maximum on Properties Presently Owned; 2 loans up to 95% LTV and 2 Loans at 80%. INTEREST ONLY TO 80% LTV. 85% Stated Income Investment 1-4 Units to $450K Purchase / Rate and Term with 680+ FICO Score. 70% Stated Income Investment 1-4 Units to $450K Purchase / Rate an Term/ Cash Out with 720+ FICO Score. 80% LTV Stated Income / verfi Assets Investment 1-4 units to $500K Purchase / R&T / Cash Out with 680+ FICO. 80%LTV 6 Month Libor Full Doc or STATED 1-4 Units Investment to $500K Purchase / Rate & Term / Cash-out with 660+ FICO Score (2 max properties). 95% Full Doc 1-4 Units Investment to $400K Purchase / R&T with 660+ FICO Score

Conforming 30 year Interest Only. 1st & 2nd Combo, Full Doc w/ Fixed second 100% financing-620 Fico Score, OR Stated with a 681 Mid Fico, both on our Pro Series. Available in 29 states

New program: JUMBO 80/10/10 to $1,700,000 - Purchase only, Owner Occupied, Single Family Residence & PUD. Minimum 700 score - Full Doc and Stated Income.

Need a Second Mortgage?
- Can go up to 70% CLTV behind neg. am. With out grossing up loan amount.
- No seasoning requirements
- CA can use 1/2 non-applicant spousal income to qualify. 103716

We can now do a 1st 2nd combo up to $650,000 on the first, full doc, and we don’t gross up the CLTV on the second! 104716

90% to 1 million dollars - stated with a 740+ FICO! Interest only, 6 months PITI in reserves (which can be a gift!). 75% STATED Non Owner - 681+ FICO. Need NO DOC? NO DOC means no income, assets OR employment. Equity 1's NO DOC allows 75% to 500k with a 701+ FICO - interest only! 70% gets you the BEST pricing around - no hits! Non Owner, cash out, stated, units - it's all FREE at 70%. 105

INDEX EXTRAVAGANZA - CODI, COFI, & MTA. . OPTION ARM'S. NO DOC LOANS TO 1,000,000 STATED INCOME LOANS TO 2,000,000 FEW LIMITATIONS ON CASH OUT & 2-4 UNITs. 1.25% START RATE ON 40-YEAR & 1.95 5-YR FLAT PAY ON 40-YEAR...ALL NO DOC. 3 PAYMENT OPTIONS INCLUDING INTEREST ONLY.9 MO. PURCHASE SEASONING TO CASH OUT. PICK-YOUR-PAYMENT ARM'S. 107723

CHECK OUT OUR MTA PROGRAM --A GREAT ALT-A NEG AM.NO NEGATIVE AMORTIZATION ( RATE & PAYMENT ADJUST TOGETHER). INTEREST ONLY OPTION AVAILABLE FOR 1ST 10 YEARS AT NO COST. RATES CAPPED @ 10 %. INDEX IS LESS VOLATILE THAN THE 1 YR TREASURY AVERAGE. ALLOWS BORROWER/ INVESTOR TO PURCHASE A Non Owner Occupied PROPERTY. ( 25 % DOWN - FULL DOC AND 30 % DOWN -STATED INCOME ). LOW MONTHLY PAYMENTS , ALLOWS BORROWER TO PAY DOWN. 108

80% LTV 1st interest only no Mortgage Insurance. Full doc, 12 mo. bank statements (biz or personal) or 1099s. Qualify up to 55% on INTEREST ONLY payments! 80/20 1 day out of BanK\kruptcy or foreclosure, one trade line, 120 day lates on mortgage ok and keep collections open. Interest-only with 525 credit score 80% ltv, 650 credit score to 80% ltv, 675 credit score =90% ltv. We love purchases! 1st time buyers are easy. No reserves required, no sourcing/seasoning of funds, 6% seller-paid closing costs, gift equity is OK, no VOD/Verification of Deposit, and usually no VOR/Verification of Rent. Seller carry-back for a pool is OK101716

Only Jumbo and Super Jumbo A Paper loans (min 620 FICOs - min 400K Loan Amt).
2) Reduced doc loans to $4,000,000
3) Most Aggressive monthly adjustables (Neg-Am and No-Neg to $3,000,000)
4) Low LTV/High CLTV Combos (no adds below 65%)
5) Competitive Alt-A proprietary 110730

Promised to you in the challenging world of non-conforming lending. 24 hour underwriting with direct access to underwriters, 4 hours to clear conditions, and 24-48 hours to close! No prepayment penalties on ARM's or balloons for all California loans. 90% with 500 score, 95%LTV with 560 Credit Score, and 100% LTV with 580 score.

A private-money, equity-based lender. All lending decisions made and not referred to brokers or institutions. Lending decisions generally made within 48-hours. 114

Will amortize your client’s loan over 40 years at the same price as the 30 year. Give you the lowest monthly payment No add-on Qualify borrowers at a higher loan balance. We take a 50 debt to income ratio on Interest only payment and a 55 dti on fully amortized.

We specialize in construction and spec construction, and do land development and acquisition transactions. We only have 3 main criteria: property values of 250k or higher, LTVs of 75% and under, and borrowers willing to accept rates in roughly the 9%-14%. We are not looking to replace any of your existing lenders

An equity-based lender w/ 100 years experience. NO CREDIT SCORE REQUIREMENTS. No cashout restrictions, jumbo loans, foreclosure & BK buyouts our specialty. Subprime loan amounts from $250k to $20 MILL. Must have 25% - 30% equity cushion. CUSTOMIZED LOANS FOR EVERY BORROWER.

Full of great products including A paper, Alt-A, Option Arms (pick a payment), Sub-Prime and much more. Our turn around time for Sub-Prime is no longer than 48 hours for an approval. Our staff in fast and efficient with seasoned Underwriters.

Manufactured homes to 80%--full doc—on fee simple land—most states—call me for details Option ARM to $1.5mm

We ignore Co-Borrower's credit scores. For example:
Primary borrower has a 580 mid score, Co-borrower has a 480 mid score. We can still use the co-borrower's income to qualify. Call or email me with any questions. You can access my website below for monthly specials & current rate sheet information

Option arms & pick-a-pays only 1.0% start rate 40-year terms on all loans with no price hits 1.75% 5-yr flat payment option arms 1.25% 3-yr flat payment option arms ninja unlimited cashout ltv 2-4 units o/o = no add's

We are offering no add on to Interest Only for all full doc loan sizes >$350,000. 40 year amortization allowed with no add-on to rate for 2/28 and 3/27 and 30 year fixed products!!! 2 to 4 units, owner occupied purchase or refinances!! Up to $1Million for combos with >625 middle fico, full doc!! 85% LTV on Jumbo 1st to $850,000 12 months bank statements, personal or business same as full doc.

Gives you new programs to do 80/10 full doc purchases! Family Score: average Primary Wage Earner and co-borrower mid-scores to help qualify; RightAssets: reduce DTI 1% for every 1 month PITI in reserves up to 5%;

Do you need a stated income loan for a self employed borrower with only 6 months of being self employed??? We allow 6 months self employed with a 2 year employment history (no gaps in employment)!!!! ***recent changes in employment are acceptable.* no cpa letter required! * no business license required! * no 4506

Has a sub prime heloc for all of your FICO challenged borrowers. Up to 75% CLTV. A solution to Hard Money deals that leave you wondering why you work for so little. Make $5,000 on seconds as small as $40,000. NO PRE-PAY!

2nd Mortgage Loans No Seasoning, Use Current Market Value, No Maximum Cash Out. Stated Income, No Verified Assets with 680+ credit scores. With 720+ score stated income Purchase or Refi, No Price Adjustments! Check out our Lower HELOC and 2nd Loan pricing. Will lend on a Stand Alone behind NEG AM with the 1st Mortgage Seasoned for 24 months, no gross up. No Verified Assets required on our Stated Programs. High Rise Condo OK and Conversions Ok!

High Score Advantage, use your borrowers highest score to price your loan! *40yr No ADD *I/O with a 575 *Aggressive purchase products, NO RESERVES *6 month seasoning for new Value *Excellent Service, fast turn times! 119

Just to keep you updated we offer 2 great Option Arm programs. The Flexpay I, it is great for your lower fico scores, higher LTV's, Second Homes, and Non Owners. And in most cases still has a 1% start. It is offered in your choice, MTA, COFI, and Libor. The Flexpay II offers a 40 year term, and a 1, 2, and 5 year fixed payment. It will do cash out new value after 2 months, and will do rate and term or cash out after the house was taken off MLS. The best feature I think is it will do retired pension stated. It is great for your retired borrower

We now do commercial loans. Loans on manufactured homes, full, stated, owner or non-owner. WE are 48 hour in underwriting, 24 hour docs, 24 hour funding.

Just made major program changes! Seasoning on refinances has been reduced to six months.10 year interest only option on all loan terms to name just a few. In addition to our regular Full Doc loans, we also offer Bank Statement, Stated Income programs. Our loan process is fast

We offer Premium Service with Common Sense Underwriting and In-House Appraisal Reviews. We love low FICO's & high LTV's. We can do: 100% LTV one loan with 600 FICO, No Trades required up to 90% LTV & <500k, No MI Ever.

PRODUCT ENHANCEMENT!!!! Our already killer-priced, Jumbo Loan is now an INTEREST-ONLY PRODUCT also with only a Minimum 640 credit score required. 10 yr. Interest only and then fully amortized for the remaining 240 months. Full Doc, Stated and Cash out with no hits. No neg-am, no prepays, no adds for no impounds, no LTVs or credit score adjustments. 125

NO seasoning or Source of funds, no verif of assets or reserves. Stated - NO seasoning on value - close escrow today, use appraised value tomorrow. NO MI W-2, S/E & Retired -620 Score. 80/20 - 12 mo. Bank Statements Self Employed

We have come out with a 10 YEAR Fixed product. Int Only is available for the fixed period. 127

Start payments are increasing .25% effective Sept. 30th so get your apps in asap!!! Now 1.5% to 1.95% start. We look at payment history & LTV, NOT FICO!!! Up to 80% SISA Give your clients "peace of mind" with their option ARM by adding a "fixed rate conversion option" to your loan for only .05% add to the margin. We don't recast for 10 yrs or 125% max balance!!!!