"Many Mortgage Programs are Still Available"

Mortgage and Lending with Stephen Gallo


We are your FHA, Fannie Mae, Freddie Mac & *Alt "A" Experts


FHA Highlights:

•       Approved with credit scores as low as 530 (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)


Fannie/Freddie Highlights:

•       100% Financing with no MI for All Qualified Borrowers

•       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.




Stephen J. Gallo.

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


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