Home Page
About Creative Lending
Contact Creative Lending
Information about making a Home Purchase
Information about Refinancing Your Mortgage
Learn more about our Loan Products
Residential Loans
Learn about Conventional Loans
Learn about Governement Loans
Learn About Credit Issue Loan Opportunities
MultiFamily Loans
Commerical Loans
Construction Loans
Learn about Credit Reports
Pre-Qualify
Link Resources
Add A Link
 
 
 

Residential Loans

 

CONVENTIONAL  LOANS

Conventional Loans- are mortgage financing which is not insured or guaranteed by a government agency such as HUD/FHA, VA or the Farmers Home Administration.  In this type of loan Private mortgage insurance is used to reduce the investors risk if the Loan to Value is greater then 80%.  These loans are underwritten according to Fannie Mae and Freddie Mac's underwriting guidelines.  This is for properties that have 1 living units and up to 4 living units.    We providing financing for owner occupied, non-owner occupied and second homes.   The following are loan details:

GOVERNMENT  LOANS

FHA Loans-   are mortgage loan financing which is insured and guaranteed by a government agency named HUD.  In this type of loan FHA charges a Mortgage Premium upfront along with a monthly charge to cover the risk.  These loans are underwritten according to FHA underwriting guidelines.  This is for properties that have 1 living units and up to 4 living units.  This type loan has a maximum loan amount based upon the county you live in.  We can provide this information for you.    We providing financing for owner occupied, non-owner occupied and second homes.   The following are loan details:

VA Loans-   are mortgage loan financing for borrowers who have serviced in the military or who are currently servicing in the military.  This loans are insured and guaranteed by the Veterans Administration.  Qualified borrowers will be issued a Certificate of Eligibility by the VA.  In this type of loan VA charges a Funding Fee upfront to cover the risk.  These loans are underwritten according to VA underwriting guidelines.  This is for single family homes only.   The following are loan details:

CREDIT ISSUE  LOANS

Subprime Loans-   are mortgage loan financing for borrowers who have credit problems.  Borrowers who have late payments on credit cards, auto loans, mortgage loans, bank loans, department cards, etc. may fit under a Subprime Mortgage Loan.   These loans are underwritten according to private investor underwriting guidelines.  These guidelines are very different for each investor and it is best to consult with a Creative Lending Loan Officer to direct you to the best program for your current situation. 

 

Creative Lending Home Page About Creative Lending Contact Creative Lending Corporation Downloads.htm
Plunge expansion. The actual plunge expansion about the hublot replica uk is really absolutely nothing to create house regarding, however it's adequate. This particular is among the greatest tag heuer replica sale from the brand new Sea-Dweller DEEPSEA. Triplock screwdown overhead. The actual Triplock program utilizes one more cartier replica uk gasket (obviously noticeable once the overhead is actually unscrewed) past the actual Twinlock program utilized on a number of other fake rolex sale activity versions such as the aged GMT Grasp II and also the Explorer II. The actual overhead posts superbly, as well as seems rolex replica uk strong as well as safe. Quick-change as well as quick-set day. Quick-change implies that the actual day modifications more than to another day time rolex replica sale nearly precisely at nighttime (instead of altering progressively during the period of a number of min's prior to as well as following night time). rado replica uk indicates that you could arranged the actual day as the overhead is actually drawn away towards the 2nd placement cartier replica sale of needing to alter time to be able to alter the actual day.