We are your FHA, Fannie Mae, Freddie Mac & *Alt "A" Experts
• 100% Financing (with our down payment assistance program)
• Approved with credit scores as low as 490 (on JUMBO FHA's TOO!)
• 1-4 family residences
• Up to 60% DTI (FULL DOC)
• Up to 6% seller's concession
• Reverse Mortgage for borrowers 62 and older (NO DOC & foreclosure bailout)
• All agency products- ARMs, Fixed, 40yr & Interest Only
• No seasoning/asset verification requirements on all loans including Jumbo Loans with 20% down and one day on the job ok with offer letter.
• 5 yr ARMs as low as 5% (low margin too!)
*Alt A Highlights:
• No Doc loans up to 65% LTV
• SIVA & SISA loans up to 90% LTV (requires 2 to 6 months reserves)
• Self Employed borrowers or borrowers with commission income
• Lot loans (primary and second home lots - no time restriction on building)
*Alternative ‘A' 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.
CALL ME TODAY FOR FREE CONSULTATION.
Stephen J. Gallo.
Director of Marketing & Sales
Certified Mortgage Specialist
Office: 732-839-4300 Ext 317