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Bank Statements Loans

(Self Employed Borrowers)

  • Use12 months or 24 months Business or Personal Bank Statements Deposits to Qualify

  • No Tax Returns Required

  • 5/1,7/1,10/1 ARM & 30 Year Terms

  • Purchase, Refinance, Cash Out.

  • Up to 90% Loan To Value

  • Interest Only Available



1 Year Tax Return Loans

(Self Employed Borrowers)

  • Use 1 year tax returns versus average of 2 years tax return income!

  • Fico as low as 680.

  • 5/1,7/1,10/1 ARM & 30 Year Terms

  • Purchase, Refinance, Cash Out.

  • Low Interest Rates

  • Interest Only Available



Cash Flow Loans

(Investment Property Loan)

  • No Income.

  • No Job.

  • No Tax Returns.

  • No Employment.

  • Fico as low as 640.

  • 5/1,7/1,10/1 ARM & 30 Year Terms

  • Purchase, Refinance, Cash Out.



Bridge Loans

(Investment Property Loan)

  • Rates starting from 6.5%

  • Interest Only

  • No Prepayment Penalty(Perfect for Fix and Flip)

  • Close in as little as 7 Days

  • Purchase, Refinance, Cash Out.

  • California Only

  • Loan amounts from $250,000 to $20,000,000

  • Non Owner Occupied, Multi Family,Retail,Office,Industrial and Vacant properties.



Foreign National Loans

  • 30% down payment required on purchase.

  • No Visa.

  • No Green Card.

  • No Fico Score required.

  • Loan amounts from $300,000 to $15,000,000



Fixed Rate Loans

  • 30-, 25-, 20-, 15- and 10-year terms are all available with fixed rate.

  • Buy a home with as little as 5% down (primary home).

  • Refinance up to 95% of your primary home's value.

  • Monthly payments remain the same for the entire loan term.



Adjustable Rate Loans

  • 3/1, 5/1, and 7/1 ARM's. Monthly payments based on a 30 year repayment schedule.

  • Provides veterans with flexible lending options and loan security.

  • The rate stays fixed for the first 3, 5, or 7 years (depending on chosen term), and then adjusting annually thereafter.



FHA Loans

  • 3.50% down payment required on purchase.

  • Minimum credit score usually 620.

  • Post-bankruptcy qualifying - 2 years after.

  • Post-foreclosure qualifying - 3 years after.



VA Loans

  • Competitive interest rates that are routinely lower than conventional rates.

  • Sellers can pay up to 6 percent of closing costs and concessions.

  • Higher allowable debt-to-income ratios than for many other loans.

  • 0% down payment required on purchase.