CONTACT US:

30021 Tomas St.
Suite 300
Rancho Santa Margarita
California 92688

Fax: 509-461-9119
800-235-6219

2nd Homes & Non-Owner Occupied Homes

Programs & Guidelines

FIXED RATES "A": Credit Up to 90% LTV from $100,000-$1,000,000- For purchases and refinances. Minimum credit score of 620 for full income documentation and the best rates. Minimum credit score of 660 for easy qualifier/no income verifier for loan amounts up to $400,000 for 90%LTV, $500,000 for 80% LTV, $650,000 for 70% LTV, $750,000 for 65% LTV, $1,000,000 for 55-60% LTV.

ADJUSTABLE RATES: Same program as above but we offer 1 month, 6 month, 12 month 3 year and 5 year fixed rates then they become adjustable changing 1% every six months. These products are also credit score driven and no Bankruptcies in the last 36 months and no more than 2 times 30 day lates on your mtg. in the last 24 months and overall credit is good.

SUBPRIME LOANS: A-,B,C and D credit. This product is also credit score driven and is designed for borrowers with less than perfect credit or irregular loans. Loan amounts from $100,000 to $500,000. Terms offered are 2 year fixed, 3 year fixed and 15 or 30 year fixed rates. Because these rates are higher than normal "A" paper loans, most loans are done on a 2 year fixed terms and then you refi into a better product when your credit improves. This product even does recent foreclosures and bankruptcies from 55% LTV to 75% loan to value. We also offer 90% LTV first loans or combination 90% single loans,80/10, 70/20, 75/15 and every combination possible for those borrowers looking to obtain a mortgage or purchase that have good credit but not enough cash to put down.

If your credit is not good, you must be current at the time of application to better your chances. Once we look at your credit report we will be able to make a determination what is available to you.

To get information on interest rates for all programs, please click here and then do your loan application with us.

Now that you know the different loans that we do click on "loan application" below so that we can get you your approval within 48 hours.

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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