CONTACT US:

30021 Tomas St.
Suite 300
Rancho Santa Margarita, CA 92688

Fax: 949-203-6434
800-235-6219

This site is for second mortgages of all loan to values and amounts.

These programs use primarily credit scores plus we offer some without credit scores but rather your overall credit. We do loans from $35,000 to $250,000. We also have higher loan amounts available. You can have 30 or 60 day lates in a 12 month period. You can even have Bankruptcies or Foreclosures in the past. Current collections or judgements would have to be paid with the new loan if over $500.

These mortgage loan programs can be used for Purchases as a piggy back, debt consolidations, home improvements etc. We can do this on a full income documentation and ez qualifier/no income verification.

Rates for the 2nd mortgage change on a daily basis. Rates for these programs range from 4.5% to 12% up to 100% loan to value for a 15 or 20 year fixed. Rates for the 125% loan amounts are strictly based on credit scores. We also offer Home Equity lines of credit what are based on prime + a margin. This rate is dependent on your credit score and loan to value.:
620-639=17.59%
640-659=15.99%
660-679=14.50%
680-699=13.625%
700+=12.875% with loan amounts from $35,000 to $75,000.

For loans up to 100% LTV, Rates are relative to the loan to values. You can get a 6.90% to 9% rate up to 80% Loan to value, 8.6% to 12.25% rate up to 90% loan to value, 9.99% to 15% rate up to 100% loan to value. All are dependent on credit scores.

If a credit score is used, the rates are lower and a minimum credit score of 580 are required. No ficos score loans can be done and they look at your overall credit. Your credit is rated A-C up to 100% loan to value. Stated income goes to 85% with no credit score and 100% with a minimum credit score of 630 for w-2 employees and for self employed. Loan amounts range from $25,000 to $500,000. If you had a Bankruptcy of Foreclosure you need to wait at least 3 years from the date of discharge. Also after BK, you must have a relatively clean credit history with no major derogs. If you purchased the property under 12 months, the purchase price will be used as value even if the new value is higher if you are taking cash out. Also for first time home buyers under 12 months a maximum of $25,000 would be the loan amount.

In General, your credit must be clean for the last 12 months prior to application to better your chances of getting a lower rate or even approved for a loan.

We currently do 2nd mortgages in California, and Oregon. We are constantly adding new states, so if your state was not mentioned please email us with your loan request and we can tell you if we can help you.

If you want to get a copy of your credit report with "credit scores" as the ones lenders use, you may order it right from your own computer, please click here. Make sure you bookmark this page so you can fill out your application here on line.

As you can see there are numberous programs that you might fit in. We don't just offer one rate and one program. Because every borrower is unique, we want to give you an accurate rate or approval, please click here to complete the loan application on-line or you can print it and fax it in.

Want to know how much your home or the house you are buying is worth? How about the neighborhood/schools & demographics? Want to know how to what the crime rate is in the neighborhood you're buying? If you answered "yes" to any of the above, click this link right now. Make sure you bookmark this page now to come back to us.

If you just want to know what your credit report looks like with credit scores, this is the site to go to. You'll be transfered to a site where it will give you a mortgage report plus access to order your credit report. Bookmark this page so you can do your loan application on line.

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