LOAN PROGRAMS FOR YOU

Conventional Loans

Loans Up To $417,000

- Extended Debt Rations

- No Down Payment Required

- 103/107% Loan To Value (LTV)

- Adjustable Rates/ Buydowns Available

- Option to use Higher LTV to pay debt or Closing Costs

Please call for details - 1-888-EZ2APPLY (1-888-392-2775)

Jumbo Loans to $5 million

Jumbo loans from $417,000 to $5,000,000

- 100% LTV to $650,000 "Conventional"

- 100% LTV to $1,000,000 "Subprime"

- 10 year Interst Only with 360 month amortization

- Stated Income/ No income programs to $1 Million

- Extended Ratios Up to 50% debt to income

Please call for details - 1-888-EZ2APPLY (1-888-392-2775)

FHA Loans

*Up to $239,949 Purchase Price

- Minimum Down (3%) or No Down Programs

- Adjustable Rate Programs

- Buydowns/ Lender Paid

- Grant/ Down Payment Assistance Programs

- 100% Gift (Blood relative) OK

- FICO Score as low as 580 OK

* Most Areas Apply

Please call for details - 1-888-EZ2APPLY (1-888-392-2775)

VA Loans

Options for VA

- 100% Financing

- No Mortgage Insurance

- 3/1 & 5/1 ARM Programs

- 6% Seller allowable paid closing cost

- Buydowns/ Lender Paid

- FICO Scores as low as 580

Please call for details - 1-888-EZ2APPLY (1-888-392-2775)

Interest Only Loans

Interest Only Allows For More Qualification

- Minimum of 5% Down

Start Rates as low as 1.25%

- Loan Amounts up to 1.5 million

-Non-Owner Occupied Programs Available

- 4 Payment Options

* 40 Year Term Available

*Rates Subject to Change

Please call for details - 1-888-EZ2APPLY (1-888-392-2775)

Construction Loans

Building A Home?

- One Time Closing

- 10% Down Payment (on lot only)

- Stated Income Programs

- Long-term financing with no mortgage insurance

Take up to 12 months to build

Please call for details - 1-888-EZ2APPLY (1-888-392-2775)

High Loan To Value Programs

100% LTV Loans

- Credit score as low as 560

-No Bankruptcy Seasoning

One Year out of foreclosure - OK

Loans to $750K

95% LTV

- Credit score as low as 560

- No credit tradelines required

No Bankruptcy seasoning

90% LTV

- Credit score as low as 540

Loan amounts to 400K

- No mortgage Insurance

80/20 Combo

- Credit score as low as 560

- No Bankruptcy Seasoning

- One Year out of foreclosure - OK

- Loans to $750K

Please call for details - 1-888-EZ2APPLY (1-888-392-2775)

EZ DOC Programs

No Income Verification Loans

- No Income Verification

- Borrower must document down payment

- Three months payments in reserves

- 100% LTV with 700 credit score

- Minimum 560 credit score and five tradelines with 24 months of credit if LTV is greater than 80%

No Income, No Asset Loans

- Application 1003 - Employment & Assets Blank

- No Verification of Down Payment

- 95% LTV with 700 credit score

- Minimum 660 credit score and five tradelines with 24 months of credit if LTV is greater than 90%

Please call for details - 1-888-EZ2APPLY (1-888-392-2775)

Can’t Prove Income?

100% Stated Income Programs

- 30 Year Amortization

- One Loan or 80/20 Option Available

No Mortgage Insurance

W2 Employee/Self Employed OK

Minimum credit score as low as 600

*Interest only option available

Please call for details - 1-888-EZ2APPLY (1-888-392-2775)

Loans For People Who Have Been Bankrupt

Bankruptcy? No Problem

Chapter 7 Bankruptcy

Min Score 600 = 100%

Min Score 560 = 90%

Min Score 540 = 85%

Discharge One Day - OK

Payoff Chapter 13 - OK

Foreclosure 1 Day - OK

Please call for details - 1-888-EZ2APPLY (1-888-392-2775)

Commercial Loan Programs

Transaction Specific Programs

- Stated Income small commercial programs

- Loan requests are evaluated to meet the needs of the transaction

Loan amounts from $100,000 to $50,000,000

- Construction programs available

- Aggressive Hard Money programs available

Please call for details - 1-888-EZ2APPLY (1-888-392-2775)

Investment Property Loans

Are You A Real Estate Investor?

100% LTV

- 1 & 2 Unit Purchases

95% LTV

- 3 & 4 Unit Purchases

Stated Income

- 100% Per Unit

Adjustable Rates

- Starting at 3.5%

- Interest Only Options

- Hard Money/ Bridge Loans

- Investment HELOC's to 90%

- Conforming or ALT-A Credit

- No Mortgage Insurance

* Rates Subject to Change -

Please call for details - 1-888-EZ2APPLY (1-888-392-2775)

Hard Money Bridge Loans

- Short Term

- Asset Based

- Fast Turnaround (5-7 days)

- Amounts Up To $10 Million