12/09/2020
Hi Friends!
I am always striving to offer my clients and realtor partners the best programs at the best rate and fee combination. With that being said here are some new offerings I can provide!
Maybe you don't have a lot of credit or your score is challenged for another reason. No need, now, to go to a hard money lender where you might need up to 20% down, and have a rate that would be through the roof!!
Here is an alternative option:
* FHA and VA loans down to a 500 FICO (500-579 FICO requires 10% down FHA 0% down VA)
* We can also offer loans to people with NO TRADITIONAL CREDIT OR CREDIT SCORES!!!
* Do you need DOWN PAYMENT ASSISTANCE, but need to qualify for an amount higher than other lenders are offering?
Here is an alternative option:
* Down payment assistance loans that allow you to go the maximum FHA DTI limit of 56% (some restrictions apply)
* Are you looking at a home that is in the qualified USDA eligibility area and the home is in need of some repairs or updating?
* Are you a Veteran and looking at a home that is in need of some repairs or updating?
HOW ABOUT A USDA OR VA REHAB LOAN??
For those of you looking at getting your own land and building a home, that program is also available... most programs only require a 620 FICO!
- 10% down on conventional
- 3.5% down for FHA and
- 100% financing for VA and USDA!
These programs are for Stick built, modular AND manufactured homes!!!
Self Employed borrowers are also well taken care of!! NO TAX RETURNS NEEDED AND QUALIFY USING YOUR BANK DEPOSITS!!!
For those current homeowners, if you have a rate that is 3.75% or higher at this time, talk to me about our low rate/no lender fee refinance loans for ALL loan types!
This is only a quick listing of what I can offer... if its out there, I can probably do it!! Apply for free online at
