Lowest possible rates rates and lowest closing costs

When it comes to note rates, or closing costs, this is where we would strive, with your cooperation, to serve you as best as possible and to work with you according to your budget and financial qualifications. 

Fast approval and funding

Given your financial status and the particular property evaluation qualifications, you can expect: fast approval, low rates, flexible payment options, fast funding and very low closing costs with no hidden fees! The most important factor would be your cooperation in providing a complete and precise scenario and our consultations with you in this regard. In other words, simulating the processing and underwriting steps in advance with as much information as possible. It is very important that your finances are as organized as possible and that you have the most up-to-date information about your credit reports and corresponding FICO scores. Hence, as part of our services, we would be glad to consult with you on these issues as much as possible. Our page titled " Your FICO Score" contains valuable information.

Loan programs

According to your needs, and upon your meeting the qualifications, we will assist you with variety of programs such as:

VIVA (Verified Income Verified Assets) Jumbo Loans up to $5Mil.

SIVA (Stated Income Verified Assets) Jumbo Loans up to $1Mil.

VIVA, SIVA, and SISA ( State Income Stated Assets) Conforming applicable limit loans.

FHA insured loans available is select California counties and corresponding loan limits.

Equity based Fast Hard Money ( Private investor ) loans ( limited LTV) or low credit score sub-prime loans.

Additionally, and again depending on your financial plans, we can work with you to determine payment options ( Interest Only, Fully Amortized, or partial payments) and mortgage structures with fixed, adjustable, or hybrid option adjustable rates. 

There are programs that especially accommodate First-time buyers, Non-permanent resident aliens, and foreign nationals. Moreover, there are situations where borrower's can use their retirement accounts to satisfy asset reserve requirements and/or where non-occupying co-borrower is acceptable. 

FICO scores may be as low as 525 where loan to values range from 50% to 95%.

  Get Your FICO Scores today !