Look No Further When Purchasing or Refinancing Your Home, We Do It All

Mortgage and Lending with Stephen Gallo

We are your FHA, Fannie Mae, & Freddie Mac Experts
FHA Highlights:

·  Approved with credit scores as low as 580 for purchase's & 560 for refi's

·  As little as 3.5% down for all purchases including JUMBO loans

·  Non-Occupying borrowers are allowed for all purchases and refinances to qualify borrower for loan on all purchases and refinances

· 1-4 family residences

· Up to 55% DTI (FULL DOC)

· Up to 6% seller's concession

· 203K (Construction Loans) are still available

• Reverse Mortgage for borrowers 62 and older (NO DOC & foreclosure bailout)   Fannie/Freddie Highlights:

· 100% Financing with no MI for All Qualified Borrowers with USDA Loans

· All agency products- ARMs, Fixed, 40yr & Interest Only

· No Doc & Stated are still available for self employed borrowers including primary and second home loans, including Jumbo Loans up to $3,000,000                  

• CPA Letters can be used with no additional income documents for all self employed borrowers for our stated program, which also goes for borrowers with a commission income   *Some of our Loan Programs are designed to meet the tailored needs of homebuyers / borrowers that have a credit scores of >680! We recognize that borrowers have varying needs, so our loan programs are designed with that flexibility in mind.  


Stephen J. Gallo                                                                                                                      Parallel Mortgage Corp.
Director of Marketing & Sales
Certified Mortgage Specialist
Office: 732-238-1100 Ext 317
Cell: 732-501-3797
E-Fax: 732-348-9513
Email: sgallo@parallelmtg.com
Website: www.sgallo4loans.com
Website: www.yourfhaguy.com


  "A Certified Mortgage Specialist is unlike a traditional loan officer. As a Certified Mortgage Specialist, my role is to help you integrate the loan that you select into your overall long and short-term financial and investment plan, to minimize taxes and interest expense and improve cash flow. My team is dedicated to delivering superior mortgage advice and world-class customer service to you. Our goal is to take such great care of you and your loan that we earn your loyal business and your referrals of family and friends. Our success was built by referrals...one happy client at a time!"      

Licensed Mortgage Broker N.J. Dept. of Banking & Insurance


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