Vintage Lending

05/30/2026

Need a Fast Closing? Apply Online www.pmccanhelp.com or Email Your Loan Scenario to [email protected].

05/26/2026

Home Financing - W-2 borrowers who recently transitioned to 1099 are still eligible for financing provided they stayed in a similar role and industry.

✅ Primary Residences, Second Homes, and Investment Properties
✅ Borrower with a pass-through entity (LLC, S-Corp, etc.) is acceptable

Apply Online www.pmccanhelp.com or email your loan scenario to [email protected].

Trust the professionals of Vintage Lending to serve as a mortgage loan broker in your commercial broker, financial service or mortgage lending needs. Have a loan scenario? Email [email protected].

05/12/2026

California - 5+apartment loan financing for purchase, refinance and construction. We have the flexibility to structure the right loan for you, and respond quickly, because we make all of our credit decisions. Before you consider buying another property or refinancing your existing loan, call us today to discuss the best financing solution for you. We offer several apartment loan programs with competitive rates and flexible terms.

Loans Under $500k Welcomed
Loan Amounts to $10 Million
Interest Only Options Available
No Pre-Payment Penalty Options
Fixed Rates (3-10 years) or Adjustable Rates
30 Year Term
Fast Approvals - 30 Day Fundings
Equity Line of Credit

Apply Online

Trust the professionals of Vintage Lending to serve as a mortgage loan broker in your commercial broker, financial service or mortgage lending needs. Have a loan scenario? Email [email protected].

04/20/2026

Homebuying Tip - Freddie Mac Only:
The monthly payment of an automobile lease may be excluded from the DTI when the remaining balance is paid off prior to closing (cannot be done at closing). The funds used to pay off the lease must be verified.

Apply Online www.pmccanhelp.com or Email Your Loan Scenario to [email protected].

Trust the professionals of Vintage Lending to serve as a mortgage loan broker in your commercial broker, financial service or mortgage lending needs. Have a loan scenario? Email [email protected].

04/02/2026

Fannie Mae and Freddie Mac have released updates to Condo guidelines and insurance requirements that could make more condominium projects eligible for Conventional financing.

Changes to Insurance:
• 1-4 unit condos no longer require replacement cost value
• Inflation guard is no longer required on condo projects
• Per unit deductible is now capped at $50,000 but can be > 5%
• HO6 max deductible is 5% or $2,500, whichever is greater
Changes to Condo Guidelines:
• Waiver of Project Review can now includes 5-10 unit projects
• No limit on investor concentrations on established projects
• Florida projects no longer require PERS review
• Discontinued the Limited Review process on application on or
after 8/3/26
• Budgeted reserve allocation increased to 15% on applications on or after 1/4/27

Conventional financing provides an affordable solution for condo buyers. With down payments as low as 3% and flexible credit requirements, these changes could help make Conventional financing accessible to more
condo buyers.

Apply Online www.pmccanhelp.com or email your loan scenario questions to [email protected].

Trust the professionals of Vintage Lending to serve as a mortgage loan broker in your commercial broker, financial service or mortgage lending needs. Have a loan scenario? Email [email protected].

03/22/2026

Buying a home from a family member without an agent (For Sale By Owner) can save on commissions and expedite the process, but it requires caution to protect relationships. Key steps include setting a fair market price through an appraisal, having a real estate attorney draft a legally binding contract, and using a title company to ensure a clear transfer.
If you need a loan, inform the lender it is a family transaction. A "gift of equity" can be documented if the seller is selling for below market value, acting as part of the down payment.
Pros of Buying from Family:
No Agent Commissions: Typical savings of 6% of the sale price.
Speed/Ease: No need for house-hunting or long negotiations.
Transparency: You likely already know the home's history.
Potential Risks:
Damaged Relationships: Disagreements over price or repairs can cause family friction.
Missing Legal Steps: Skipping inspections or legal guidance can lead to lawsuits or issues with the title.
Apply Online www.pmccanhelp.com and Email [email protected] for a copy of a Purchase Agreement and help with the home loan.

Trust the professionals of Vintage Lending to serve as a mortgage loan broker in your commercial broker, financial service or mortgage lending needs. Have a loan scenario? Email [email protected].

03/20/2026

New WA law bans 'pocket listings' >> See the full article below ⬇️

03/20/2026

FBI arrests 11 in real estate and loan fraud of Los Angeles elderly victims

Stolen identities were allegedly used to secure high-value real estate loans, fabricate financial documents, and "move millions of dollars through a maze of fraudulent businesses and funnel accounts," said Tyler Hatcher, Special Agent in Charge, IRS-CI Los Angeles Field Office.

03/16/2026

Need to refinance? Consolidate High Cost Debt. 1st mortgage or Home Equity Line of Credit Available. Fast Closing. Apply Online www.pmccanhelp.com. CA, WA & OR NMLS 287106.

03/14/2026

Improve your credit 90 days before applying for a mortgage. Every 20 points can save you .25% in interest over the life of the loan.

The person with the 780 score:
Has at least 10 credit accounts in total and a 15-year credit history.
Uses 15% to 25% of her credit card limits.
Has no late payments on her credit reports.
Has no collection accounts or other major negatives.

The person with the 680 score:
Has six credit accounts and an eight-year credit history.
Uses 40% to 50% of her credit card limits.

Email [email protected] for Fast Pre-Approvals!