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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 provide financing for owner occupied 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:

PRIVATE MONEY LOANS

Private Money 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.  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. 

 

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