Here are some highlighted products that I see a lot of. As well as the great credit borrowers, I can also qualify your "not so great credit" borrowers. And remember, pre approval letters - same day.
First Time Home Buyer:
•· Limited or no credit to 100%
•· 6% seller paid closing costs
•· No PMI!!!
•· No money for closing costs? No problem
•· No rental verification? No problem
•· Job time less than 1 year? No problem
Best Score Product:
Problem: You have a couple trying to purchase a home. The husband is the head of household and makes the most money. One problem, his credit is not so great, his wife's credit is but she does not make enough money to qualify for the home on her own.
Solution: I can use the wife's credit score and the husband's income to make sure they qualify for the home they need. More importantly... at a great rate!
Six Month Bank Statement Product:
Problem: You have a self employed borrower that wants to purchase a home, but his income on tax returns do not qualify for the home he wants because he writes everything off.
Solution: I can use the average of 6 months deposits from his bank statements as income to qualify him for 100% financing.
Bankruptcy Issues:
•· 1 day out of Chapter 7 to 100%
•· 2 years out of foreclosure to 100%
•· Can do up to 85% purchase on a borrower currently in bankruptcy.
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