I did not believe it till I got one through with 62% DTI on the back end. Full Doc. Can not disclose the MI Company but if you can not qualify your client for a FHA loan due to the DTI restrictions give me a call.

I have a 102% loan for certain areas in CA (ex: wildomar, sun city). With no monthly MI! Call me!

I have a conventional loan with 100% How? Our lender will take out a second for the declining market amount. Ex: 95% allowed due to market conditions lender will take out a 5% loan at 8% interest rate.   

Experience is not everything but educating yourself in this ever changing market is crucial. So if your only mortgage broker is sitting around complaining about the industry or went out of business this is your time to give me a call. The client you thought could not qualify send them right over!

Yes I do real estate also; I do not steal clients, because you, the Real Estate agents, are my clients!