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Loan Options

Browse our current menu of available loan options.

Our interactive menu allows you to see
The core requirements for each loan type.

This loan would be best described as a traditional loan that follows standard banking qualification guidelines. The following will be required for all borrowers.

  • The borrower(s) will be required to submit 30 day paystubs,
  • The recent 2 months of bank statements,
  • The most recent two W2’s. 
  • Minimum 640 FICO credit score
  • Maximum loan amount of $750,000

Rates and costs adjust in real-time with the financial markets,  feel free to reach out to us at any time to get a snapshot of current rates.

This loan would be best described as a government loan that follows standard banking qualification guidelines. The following will be required for all borrowers.

  • The borrower(s) will be required to submit 30 day paystubs,
  • The recent 2 months of bank statements,
  • The most recent two W2’s. 
  • Minimum 580 FICO credit score
  • Maximum loan amount will be based of the specific county loan limits.

Rates and costs adjust in real-time with the financial markets,  feel free to reach out to us at any time to get a snapshot of current rates.

This loan would be best described as a government loan that follows standard banking qualification guidelines. The following will be required for all borrowers.

  • The borrower(s) will be required to submit 30 day paystubs,
  • The recent 2 months of bank statements,
  • The most recent two W2’s. 
  • Minimum 580 FICO credit score
  • Maximum loan amount will be based of the specific county loan limit. 

Rates and costs adjust in real-time with the financial markets,  feel free to reach out to us at any time to get a snapshot of current rates.

This loan would be best described as a non-traditional loan that follows alternative guidelines. The following will be required for all borrowers.

  • No paystubs will be required
  • The recent 2 months of bank statements
  • No W2’s
  • Minimum 640 FICO credit score
  • Maximum loan amount of $3,000,000

Rates and costs adjust in real-time with the financial markets,  feel free to reach out to us at any time to get a snapshot of current rates.

This loan would be best described as a non traditional loan that follows alternative guidelines. The following will be required for all borrowers.

  • No paystubs,
  • The recent 2 months of bank statements
  • No income documents
  • Minimum 480 FICO credit score
  • Maximum loan amount of $5,000,000

Rates and costs adjust in real-time with the financial markets,  feel free to reach out to us at any time to get a snapshot of current rates.

This loan would be best described as a government loan that follows standard banking qualification guidelines. The following will be required for all borrowers.

  • The borrower(s) will be required to submit 30 day paystubs,
  • The recent 2 months of bank statements,
  • The most recent two W2’s. 
  • Minimum 640 FICO credit score
  • Maximum loan amount will be based of specific county loan limits. 

Rates and costs adjust in real-time with the financial markets,  feel free to reach out to us at any time to get a snapshot of current rates.

This loan would be best described as a non  traditional loan that follows alternative guidelines. The following will be required for all borrowers.

  • No Paystubs
  • The recent 2 months of bank statements
  • No Income documents
  • No U.S. fico score needed
  • Maximum loan amount of $5,000,000

Rates and costs adjust in real-time with the financial markets,  feel free to reach out to us at any time to get a snapshot of current rates.

This loan would be best described as a  non-traditional loan that follows alternative  qualification and  guidelines. The following will be required for all borrowers.

  • Income and no income option
  • The recent 3 months of personal bank statements
  • The recent 3 months of business bank statements
  • Rent Roll 
  • Operating Statement
  • Minimum 650 FICO credit score
  • Maximum loan amount of $5,000,000

Rates and costs adjust in real-time with the financial markets,  feel free to reach out to us at any time to get a snapshot of current rates.

This loan would be best described as a non-traditional loan that follows alternative qualification guidelines. The following will be required for all borrowers.

  • No Paystubs required
  • The recent 2 months of bank statements,
  • Most recent mortgage statement
  • No minimum FICO credit score
  • Maximum loan amount of $1,000,000

Rates and costs adjust in real-time with the financial markets,  feel free to reach out to us at any time to get a snapshot of current rates.

This loan would be best described as a non-traditional loan that follows alternative banking qualification guidelines. The following will be required for all borrowers.

  • The borrower(s) will be required to submit 2 years pf 1099
  • The recent 2 months of bank statements
  • Minimum 600 FICO credit score
  • Maximum loan amount of $5,000,000

Rates and costs adjust in real-time with the financial markets,  feel free to reach out to us at any time to get a snapshot of current rates.

This loan would be best described as a non traditional loan that follows alternative qualification guidelines. The following will be required for all borrowers.

  • The borrower(s) will be required to submit use of funds letter explaining the project
  • The recent 2 months of bank statements
  • Minimum 640 FICO credit score
  • Maximum loan amount of $1,000,000

Rates and costs adjust in real-time with the financial markets,  feel free to reach out to us at any time to get a snapshot of current rates.

This loan would be best described as non traditional loan that follows alternative qualification guidelines. The following will be required for all borrowers.

  • 12 or 24 months of personal or business bank statements
  • Business License
  • No W2’s or tax returns will be required
  • Minimum 600 FICO credit score
  • Maximum loan amount of $5,00,000

Rates and costs adjust in real-time with the financial markets,  feel free to reach out to us at any time to get a snapshot of current rates.

This loan would be best described as a non-traditional loan that follows alternative qualification guidelines. The following will be required for all borrowers.

  • No income documents like tax returns or paystubs
  • The recent 2 months of bank statements,
  • All flipped properties in the last 36 months 
  • Minimum 650 FICO credit score
  • Maximum loan amount of $5,000,000

Rates and costs adjust in real-time with the financial markets,  feel free to reach out to us at any time to get a snapshot of current rates.

This loan would be best described as a traditional loan that follows standard banking qualification guidelines. The following will be required for all borrowers.

  • The borrower(s) will be required to submit 30 day paystubs,
  • The recent 2 months of bank statements,
  • The most recent two W2’s. 
  • Minimum 660 FICO credit score
  • Maximum loan amount of $5,000,000

Rates and costs adjust in real-time with the financial markets,  feel free to reach out to us at any time to get a snapshot of current rates.

Have more questions?

maybe our loan option search tool can help
(we do not request your credit report with this option)

FAQ's

Most frequently asked questions about loans from around the web

Your eligibility for a mortgage loan is dependent on several things. Some of the factors include your credit history, your ability to repay the loan, the loan amount, and the value of the property you are financing. Going through a prequalification or preapproval will help you determine what will be needed to qualify you.

A mortgage lender or broker who pre-qualifies a borrower would request information such as debt, income, and assets. They may also request documentation to support the information provided. They can then estimate the loan amount the borrower might qualify for.

At the pre-approval stage, the lender or broker sends the information and documentation to an underwriter who in turn will approve or deny the application. The approval will be subject to identifying a property and collecting relevant documentation such as an appraisal and title report.

Pre-approvals are often preferred by sellers when considering an offer.

The costs included in the APR include points (both discount and origination points. 1 point equals 1% of the loan amount), loan processing fee, underwriting fee, administrative fee, settlement fee, document preparation fee, pre-paid interest, and private mortgage insurance.

The rate of interest depends on the type of mortgage a borrower chooses. There are fixed rate mortgages and those interest rates will not change over the term of the loan. However, for an ARM (adjustable-rate mortgage), the rate is subject to change after a certain period of time and over future intervals.

The documents required for getting a mortgage vary from borrower to borrower. The most commonly requested documents are pay stubs, W-2s, tax returns, banks statements and photo ID.

First off…a broker should be giving you the cost or an estimate of costs upfront.

You want to have a clear understanding of how much this will be.

Each loan carries a different level  of costs. Most of the costs involved are needed at the close of the transaction. 

However, some cost get charged upfront like:

  • Appraisal Fees
  • Inspection Report Fees
  • Background/Credit Report Fee
  • Attorney Fees (application in certain states)

Ancillary 3 party fees tend to vary by loan amount and county recording fees.

An appraisal is typically required to be completed during the application process. The appraisal report is the determination of the home’s fair market value. The lender also uses it to confirm the condition of collateral being used in the transaction.

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pride in you knowing your loan options.

We called and checked online, these guys gave us the best rate and deal on a mortgage.

Lorena B.