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Niche Loan Products

WE SPECIALIZE IN
FIRST-TIME HOME BUYER (FTHB) LOAN PROGRAMS,
and we also provide the following services and loan programs:

    * Purchase a home 1 day after Short Sale! (must be current on mortgage)
    * Down Payment Assistance Program
    * Loan Modification Professional Services
    * Cash Out Refinance (even for currently Listed Properties!)
    * Change in Rate/Term Refinance (Reduce your monthly payments!)
    * 95%, 97% and 100% Financing (Purchase & Refinance)
    * 102% Financing for Purchases
    * Home Equity Loan
    * Home Equity Line of Credits (As low as 2.00% below PRIME*)

    * FHA Loans (Federal Housing Administration; Credit Score is not a qualifying factor!)
    * VA Loans (U.S. Department of Veterans Affairs)
    * Mortgage Credit Certificates (MCC) for First-Time Home Buyers
    * CalHFA Benefit Programs (California Housing Finance Agency, for First-Time Home Buyers)
    * CalPERS Benefit Programs (California Public Employee Retirement System)
    * CalSTRS Benefit Programs (California State Teachers' Retirement System)
    * Reverse Mortgages (No re-payment EVER! For Senior Citizens)

    * Commercial Loans
    * Land/Lot Loans
    * Construction-To-Permanent Loans
    * Renovation/Rehabilitation Loans
    * Manufactured Homes

    * No Pay Stub, No W2, No Tax Return (VOE Program)
    * No Income, No Asset Vertification (No Doc)
    * 3% Below Market Interest Rate
    * 40 Years Term
    * Interest-Only Payments
    * Pick-A-Payment Option ARM
    * As Low as 1% Pay Rate

    * Foreclosure Bailouts
    * 'Short Sale' Financing
    * 'REO' Financing (Banks' Real Estate Owned properties)
    * Same Day out of Bankrupcy Discharge Okay
    * Non-Prime (Supposedly "Bad" Credit)
    * Hard Money
    * And even the "Hard-To-Do" Loans!

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