Financing with Paul at NTMR Holdings, Inc.

03/19/2023

Let us show you how we could help, here at NTMR Funding...

03/18/2023

Check us out at NTMR Funding for your One-time Close New Construction Loans...

03/17/2023

Check us out at NTMR Funding....

10/03/2022

Invest in yourself first!

Want to feel more satisfied with life? We picked out these 5 books that will change your outlook.

07/19/2022

Please reach out to me if you have the following scenarios I can help you with...

*NON-Owner-Occupied (N/O/O) and INVESTMENT Properties:
No Income Verified (N.I.V.) on non-owner-occupied properties
No limit on number of properties financed or owned
Up to 80% LTV for both U.S. Citizens and Foreign Nationals
DSCR and NO-DSCR options available
Minimum Credit Score (WESTERN U.S.): 550
Minimum Credit Score (EASTERN U.S.): 600
Loan Amounts from $100,000 to $4,000,000
Vacant properties
Short-term rentals (Airbnb, VRBO, etc.)
Condotels (full kitchen)
Non-warrantable condos
No HOA questionnaires
Loan Amounts up to $8,000,000
Gift of Equity
Foreign National with U.S. Credit
Foreign National without U.S. Credit
Cashout funds can be used for PITIA reserves (if applicable)
SFR being used as care facility
Rebate Pricing / Lender Paid Comp available (N/O/O only)
No Condo Questionnaire
No HOA Certification
First-time investor
First-time homebuyer
Mortgage lates and/or BK/FC/SS/FB/MOD allowed
Property Types: SFR, townhouse, condominium, condotel, non-Warrantable condominium (and no condo questionnaires)

*OWNER-OCCUPIED (O/O) Properties:
Loan amounts up to $5MM
Up to 90% LTV
Minimum Credit Score (WESTERN U.S.): 350
Minimum Credit Score (EASTERN U.S.): 550
We use middle credit score of the primary wage-earner
100% Gift Funds or Partial Gift Funds
Property Types: SFR, townhouse, condominiums, condotel, non-Warrantable condominiums (and no condo questionnaires)
Cashout funds can be used for PITIA reserves (if applicable)
Mortgage lates and/or BK/FC/SS/FB/MOD allowed
OVER A DOZEN Options for Documenting Borrower Income (required only on owner-occupied (O/O) transactions)
Combine multiple options to document income
12- or 24-Months Full Documentation (Salaried)
12- or 24-Months Full Documentation (Non-Salaried)
12- or 24-Months Personal Bank Statements
12- or 24-Months Business Bank Statements
12-24 months options for "gig" workers (rideshare drivers, etc.)
VOE Only
1099 Only
K-1 Only
Asset Depletion (Assets/60 = Qualifying Income)
P&L Only Program
Re-entry into workforce as wage earner (1 paystub)
Employment contract with start date within 60 days

Paul Librojo
Loan Advisor | NMLS 904127
NTMR HOLDINGS, Inc.
Serving SoCal
B: 949.373-5462 | F: 561.892.6104 | C: 949.276.1533
[email protected]

Mortgage Loans | Commercial Loans | Hard Money Loans | Business Funding

Corporate Office:
10900 E. 183rd Street, Suite 285, Cerritos, CA 90703 | NMLS 1603283

07/16/2022

Attention my professional Realtor and Mortgage Banker partners. Have you had any Declined loans? Unfunded deals? Loans in Limbo? Lender disappeared? I may be able to provide SOLUTIONS to get your non-QM loans FUNDED, declines and hard to finance deals!

Yes, this means that all of the clients you denied (or ignored) over the past two years are potentially a new closing/funding opportunity for you!

Contact me to review your non-QM scenarios, declines and hard to finance deals. I'll review your scenario quickly to see if it will pass muster with my investors...

Paul Librojo
Loan Advisor | NMLS 904127
NTMR HOLDINGS, Inc.
B: 949.373-5462 | F: 561.892.6104 | C: 949.276.1533
Email: [email protected]

Mortgage Loans | Commercial Loans | Non-QM Loans | Soft Money Loans | Hard Money Loans | Business Funding

EQUAL HOUSING LENDER

04/06/2022

A very insightful reading. Just sharing to see what your thoughts are on this warning. Our industry has it’s cycles (ebbs and flows). You’ve got to catch it at the right time, just like surfing on waves. However, I agree that we are in a bit of a bubble, but not artificially or neglecfully induced like it was before 2008, due to greed. Beyond 2008, overall underwriting was tighter and consumer protection was at the forefront, along with keeping lenders liquid without incurring legacy issues. Therefore, most indicators forecast a solid appreciation of values across the board, with ATRs and LTVs in check.

This clip from the Bruce Willis and Meryl Streep film “Death Becomes Her” perfectly represents the predicament surrounding The Federal Reserve’s loose monetary policies and housin…

03/30/2022

Interesting facts. Very inspiring!

03/28/2022

Why hast mortgage rates increased so fast this year?

02/14/2022

Congratulations LA Rams!!

01/24/2022

Great article in basic savings, especially through the pandemic…

Money-saving differs from person to person. It’s all about finding what works best for you. Here’s how much money you should save every month.

11/08/2021

Thank you very much for taking the time to complete your survey! Got another great review from my amazing client. Thank you for trusting me with your business! I greatly appreciate your time and hiring me to provide you a solution to your financing obstacles!!
Paul Librojo