We offer a wide array of loans that are processed, underwritten, and funded here in our Mesa office.  Having everything on-site makes the loan approval process easier for you and your clients.  The programs available in-house are as follows:

• FHA - No credit score required by FHA, alternative sources such as 12 months utilities, cell phone, car insurance, et.c paid on time are acceptable.  2 years since Ch. 7 bankruptcy discharge; 1 year on Ch. 13 o.k.  FHA interest rates have been the same as Conventional in recent months.

• Conventional - Up to 100% LTV with $500 buyer contribution.

• VA - We have helped numerous Veterans get no money down financing using their VA eligibility.  The VA has sped up its appraisal turn time to about a week after the appraisal order has been placed.  Much quicker than the 2-3 weeks it took previously.

• Jumbo - Up to $2,000,000.

• No Documentation - No doc loans do not consider income or assets.  The credit score and down payment amount are the only items that are considered.  Easiest loan in the market, a lot of business owner’s use this to reduce paper work.

• Stated Income - 2 years in the same line of work verified by a CPA or business license.  Income is not verified, just stated.  Many self-employed individuals use this option because they may not be able to prove their actual income.  Assets can be stated also.

• Interest Only Loans - This allows a borrower to pay the minimum payment each month for up to 10 years.  They are relying on appreciation to build equity rather than paying down principal.

• Investment Loans - Dependent on credit scores and down payment.