Mortgage Lenders offer a variety of loan programs to meet your needs. We work with the leading Lenders in the industry to provide Loans for: ►Foreign Nationals & US Residents
►Residential new-build and resale Property loans
►Commercial Property and Business Loans ▼Refinance your high-rate mortgage
▼Lower your high monthly payments
▼Pay off high-rate debt with a low-rate equity loan
▼Fixed and adjustable rate loans
▼100% financing available
Loan Programs for U.S. Residents
We recommend speaking to a Mortgage Consultant to find out which program you qualify for, your estimated monthly payments & interest rate. They can also give you a pre-qualification letter, which you will need when you make an offer on a Home. Fixed and Adjustable Rate Programs First & Second Mortgages Home Equity Loans and Lines of Credit Lot Acquisition Loans Construction-Perm loans Jumbo loans & Commercial Loans Stated Income and No Doc loans Self-employed borrowers Government Assistance Loans (SHIP Programs)
Government Assistance Programs available for FIRST TIME BUYERS, or people who have not owned a home in 3 years... click on "DownPayment Assistance" for more details. WE PROVIDE AN ESTIMATE OF COSTS, MONTHLY PAYMENTS, AND GIVE ADVICE ON WHICH LOAN PROGRAM SUITS YOU. FILL IN OUR ONLINE FORM, OR CALL: 407-802-7585 -------------------------------------------------------------- Loan Programs for Foreign Nationals 20% Down Payment
- Accountant's Letter (if self employed) OR Verification of 2 years employment and year-to-date earnings on company letterhead.
- Source of funds - must verify full amount of cash to close, PLUS SIX MONTHS reserves (principle, interest, taxes, insurance and association fees) in UK bank account for a minimum of 60 days. All funds must be transferred to a U.S. bank account 30 days prior to closing.
- "Photographic quality" copies of Passports w/ entry Visa for each borrower. Second form of photo ID may be required.
25% Down Payment (an easier option)
- A "Stated Income" option is available where income is stated on loan application and your assets are verified. Include all account numbers, financial institutions (for both US and UK bank accounts), name, address, and phone numbers of each employer or similar information if self-employed.
- A "Stated Income and Assets" option is available with NO VERIFICATION OF YOUR ASSETS, NO SOURCE OR SEASONING OF FUNDS REQUIRED!
- "Photographic quality" copies of Passports w/ entry Visa for each borrower.
Most of our borrowers go with a 25% down second-home loan. One of the programs available is a 3/1 Libor ARM. The interest rate is fixed for 3 years and then adjusts according to the market each year. There is also a no pre-payment penalty option available.
If one of these programs can meet your needs, we can proceed with a loan application and Good Faith Estimate via email. Please let me know if you have any questions, we want to make this as easy as possible. Thanks! WE PROVIDE AN ESTIMATE OF COSTS, MONTHLY PAYMENTS, AND GIVE ADVICE ON WHICH LOAN PROGRAM SUITS YOU. FILL IN OUR ONLINE FORM, OR CALL: 407-802-7585 -------------------------------------------------------------- Commercial Loan Programs Commercial / Multifamily Apartments
Please notice below the latitude we have for commercial mortgages that enables us to meet the lending needs of a variety of borrowers Borrower: One or more individuals, Corporation, Limited Liability Company, General or limited partnership, Joint venture, Limited liability limited partnership, Trust Real Estate Collateral: Multi-family apartment project, Income Producing, e.g. office, shopping centers, industrial complexes, parking lots, owner-occupied building, Raw Land Terms: 5- Year balloon with 10- year amortization, 10- year balloon with 15- year amortization, 15-year balloon with 20 year, etc. As a leader in the commercial mortgage business, our lenders have the experience and expertise to structure loans to meet your company’s lending needs.
Small Business Loans
We will underwrite and process Small Business Administration (SBA) 7(a) and SBA 504 loans. The provisions of the Equal Credit Opportunity Act shall apply to all applicants for loans submitted under these government guaranteed loan programs. There shall be no discrimination on the basis of race, color, religion, age, sex, marital status, handicap or national origin. It is our goal to facilitate a quick funding on all (SBA) loan requests. Additionally, we offer the following advantages: Competitive rates and terms Purchase or refinance of commercial real-estate, with cash out permitted SBA guaranteed fee can be financed in most cases Loans size starting from $250,000 to $10,000,000
Church Financing
Finding church lenders can be a very frustrating and time-consuming process. Well, we are here to take that burden away from the borrower. Nationally we are tied into a host of church lenders. That enables us to arrange church loans from $200, 000 to $20,000,000. These loans could be for new construction, major renovations, purchasing existing facilities, land acquisition and the refinancing of existing loans. Likewise, we provide accounting and consulting services to help churches obtain their financing with the construction of their project. Additionally, as result of having in house underwriters, we have a thorough understanding of how to structure church loans. Yet while church financing can be frustrating, your organization can go through the process nearly hassle free by allowing us to arrange the financing for your church.
Non-Recourse Commercial Financing Property types: Apartment complexes, Self-storage facilities, Shopping centers, Mobile home parks
Loan Proceeds: Acquisition, Refinance, Cash-out
NO PERSONAL GUARANTEES
Size: Greater than $500,000
Fast Close: 45-60 Days
Debt Service Charge: 1.25%
LTV: 75% - 80%
Term: 25 - 40 years The appearance is not a factor for approval. However, the property MUST be cash flowing. Local and regional banks can NOT match these terms.
100% Financing For Professionals
Professions: Doctors, Lawyers, Accountants
Loan Types: Acquisition, Refinance, Construction, Leasehold
Guarantees: Personal Guarantees Required
Size: up to $5 Million
Fast Close: 60 days
Cash Flow Multiple: 1.1X Debt Service Coverage
LTV: 100% Financing
Term: 25 years
Interest: Very Low Interest Rates
Prepayment: No Penalty Our underwriters are professionally trained to keep the interest of the professional a priority. They are experienced in working with borrowers of all sizes. Thus, they can fund loans anywhere in the country! WE PROVIDE AN ESTIMATE OF COSTS, MONTHLY PAYMENTS, AND GIVE ADVICE ON WHICH LOAN PROGRAM SUITS YOU. FILL IN OUR ONLINE FORM, OR CALL: 407-802-7585 |