Home Finance Options

There are a lot of worthy borrowers in this country that aren't getting the mortgage service they deserve. We should have lenders that can provide loan programs that can accommodate make-sense loans. For example, if we can qualify a renter for a mortgage that would reduce their housing expense, that's a make sense loan. If you're a self-employed borrower with good credit and plenty of liquid reserves and down payment, you should get a good loan with a low-interest rate. After all, you're the ones that, in large part, driving our economy. Why should your employees qualify for a mortgage and you don't? That's silly. Why has it become difficult for the self-employed person to take part in the American dream? This is why we have Bank Statement Loans, Stated Income, No Doc, Asset Depletion and other income documentation loan options.

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Submit your loan scenario for Loan Officer review

Unconventional Purchase Loans

Are you searching for a lender that will approve you? Did your last Loan Officer tell you that you don't qualify for a mortgage? Do you have a loan scenario that falls outside of the "box"? Do you feel that your loan scenario is a make-sense loan?

If you're a first time home buyer or a seasoned home-buyer with credit issues/credit profile issues, we want to assist you in getting a loan that will fit your specific needs. Most American's can actually qualify for a Home Loan, even if they think they think or have been told that they cannot get approved for one reason or another.

People with excellent credit can often find better pricing from a mortgage broker. Many banks require that the borrower have excellent credit, 6-12 month seasoned reserves, 20% and greater down payment, 2-5 years same job employment, so forth. However, there are lenders out there that will approve a unique credit profile or a bad or not-so-good credit loan. And of course we also have programs like the FHA loan and VA loans that will help you get approved. Just because one lender offers a FHA or VA loan denies you that you can't get approved under the same loan under a different broker; different brokers have different lenders that do the same kind of loan.

To learn about becoming pre qualified for a home loan, you may want to consult with a mortgage broker. Mortgage brokers have access to hundreds of lenders as well as information about various types of programs that may be helpful to you.

Many people are hesitant when dealing with mortgage brokers, but as long as you take precautions, they will be the greatest source of help available to you. They will walk you through the process and give you a variety of advice. You can speak with a mortgage expert 858-222-7534.

Get prequalified without a credit check

All articles on this Website are for informational purposes only. This Website refers all registrants to licensed Mortgage Brokers/Lenders that perform acts for which a real estate license is required.