100% home loans, no down mortgage loans,
zero down financing, no down payment, Down payment assistance, countrywide,100%, 90%
investment property, NOO, Online application, 100% owner occupied primary
residence mortgage loans, loanweb, ditech, pre-qualify, lending tree,
eloan, e-loan, quickenloans, quicken home loans, e-loan, 95-97% refinance, refi, real
estate, chase, ameriquest, lendingtree, jp morgan chase, h&r block, bank
loan, CA, AZ,CO, CT,HI,ID,IL, IA, KS, MA, MD, MN, MO, MS, NC, NE, NJ, NM, NV, NY,
OH, OK, OR, PA, RI, SC, TN, TX, UT, WA, VA, WI, FNMA, Fannie Mae, FreddieMac, FHA,
VA, FHA Secure
california
100% one hundred percent investment non-owner texas houston dallas austin illinois chicago
utah new jersey florida 100% investment loans e-loan heartland hartland credit noo units
financing
Effective Feb. 25,
2008: Maximum LTV on 3-4 unit Investment properties is 80%(90% still avail on 1-2 units)
Effective Dec. 30, 2007:
90% investment property financing available for Single Family, and 2 and 3-4 unit investor
properties.
Effective 8-21-2007: 90% investment property financing
available for 1-2 units and 80% for 3-4 units (Primary residence to 100% on single family
and 95% on 2-4 units).
Update: Aug. 6, 2007: the secondary market for
Alt-A loans / high LTV financing has been in chaos for about a week now; many lenders have
either eliminated their Alt-A programs or reduced them significantly.
Please call for updates
(877-209-8600) or
email: loan@mortgageoffice.com - with
your loan scenarios. Thank you.
Highest LTV
available on Residential investment properties: 95%.
Please call :
877-209-8600, ext. 226 for details.
Update: March 13, 2007:
100% Non-Owner, Investment
property financing - available with FULL Income Documentation
95% Non-Owner, Investment property financing - available with STATED Income Documentation
Updated: March 1, 2007:
The Secondary Market continues to
tighten up: On 100% investment (residential) property loans, the secondary market continues to
tighten up - especially in respect to "combo's" which utilize a 2nd mortgage as
part of the financing. $100,000 minimum loan amount (some exceptions allowed).
Stated Income/No Ratio 100% loans are still available but severely restricted.
We monitor market movements daily and will be happy to discuss your financing needs with
you. For More Information:
Please contact: Al Rodenburg
email: mortgageoffice@gmail.com or call:
(281) 576-7655 direct.
Thank you.
- Al Rodenburg, Sr. Managing
Director/Branch Mgr.
December 20, 2006 (supercedes all
previous information):
100% Investment property financing (Full Income documentation: W2;paystubs) require
min. 660 (middle) credit score 95% requires minimum 620 mid. score. Update: 12/21/2006 - re: 620 program: still available in some states
100% Investment property financing - with Stated
income program - require MINIMUM 660 middle Credit Score; some require 720
"State"
List (click here) Experience you can Trust -
Call us toll-free to assist you with all your
Investment financing (SFR, Condo and 2-4 family properties) needs:
2. CALL: (877) 209-8600
to review your Application and Goals.AK,AL,AR,AZ,CA,CO,CT,DC,FL,GA,IA,ID,IL,IN,KS,KY,LA,MD,ME,MI,MN,MO,MS,MT,NC,ND,NE,NH,NJ,NM,NV,OH,OK,OR,RI,SC,SD,TN,TX,VA,VT,WA,WI,WY,UT,CA,DE,NV,PA,RI,WV
100% investment property financing non down payment zero down
investment real estate nationwdie TX San Antonio Dallas Houston FL Tampa
St.Petersburg, VA, Richmond, GA, NJ, Jersey City, Neward, CA, LA, Los Angeles, Sacramento,
San FranciscA,
Whether it's a 100% purchase; debt consolidation refinance; refinance for Better
Rate, Cash for a special project, etc., we are there to help.
While waiting to get "Pre-Qualified", (based on your Application & Credit
information), please start preparing documentation to be faxed to our Processing Dept.
(Fax#: 713-893-6058) This typically includes Copies of: - Last 2 years' W-2 and or Tax Returns (tax returns generally only required for
self-employed borrowers)
- Last 2 month-to-date pay stubs (year-to-date "Profit & Loss Statement" if
self-employmed)
- Last 3 months' personal bank statement copies (plus business bank stmts for
self-employed)
- Purchase / Sales Contract - if purchase
- Existing mortgage statement(s) - if a refinance
- Copies of Leases / Rental Agreements
- Name & Phone # of your insurance company / agent
Please FAX these to : (713) 589-2003, Att: Processing Dept.
4. After your loan file is Pre-Qualified, we will contact you to
review Loan "options". Normally you should get at least 2 options for your
specific situation.
5. Loan Documents for you to sign will be made available to
you, via email (can be overnighted, on request).
Please Sign and return (Original) signed copies ASAP (make & keep Copies for your
files) - to our office:
Challenge Financial Investors Corp.
14614 Falling Creek Dr., # 105
Houston, TX 77068 Ph: (877) 209-8600, ext. 226 (Our Staff will let you know which documents (if any) need to be faxed to us
[FAX#: (713) 893-6058] immediately).
NOTE: Appraisals are typically ordered through a nationwide appraisal company, such
as: "Appraisal.com" - and they require payment BEFORE the appraiser can
be sent out; payment can be made either by credit card or check by phone. Regardless of
who the appraiser is - the appraiser must be paid before we submit the file to final
underwriting.
We typically will not accept appraisals from an appraiser who is not affilliated with
Appraisal.com or First American's appraisal div., e-appraiseit.com.
I hope this helps answer some of your questions. Thank you for your business.
- Al Rodenburg, ext. 228.
- Income Documentation : "Full" to 100%
LTV; or "Stated" 95% LTV max.
- CREDIT : 100% typically needs 680 mid-score; 95% low as 620 score
- Loan $ amount: 100% Single Family: not available under $50,000. 2-4 Units: Must be
$85,000. min. Sale Price.
- Type of Property (SFD, 2-4, condo, PUD, Twnhm.)
- STATE Property is located in
- # of Properties owned
- ANY mortgage late payments in last 12-24 months *NOTE: We are
unable to determine whether a Borrower(s) qualify for a loan or not - unless we have
a Complete Application (filled out by Borrower(s) On-Line) AND a 3-bureau (tri-merge)
infile Credit Report (not the type that consumers download from consumer credit web sites)
- which can be pulled via our Credit Link (seeabove). Without those 2 items we are unable
to advise anyone as to whether they may qualify for a loan or not.
Programs subject to change without
notification.
MortgageOffice.com exists to help borrowers find competitive
mortgage loans and financing for all their mortgage needs - whether it is a purchase
mortgage or a refinance mortgage. We do first mortgages and second mortgages. Home loans
are what we specialize in, whether they are owner occupied or investment.
MortgageOffice.com can handle residential mortgage loans, or Commercial Properties -
starting at $250,000 and up to and Over $100,000,000. Owner occupied Home Purchases can be
up to 107% and refinances up to 125% of the value of the home - based on appraised value
or sales price. We have a great 90% "Stated Income" program for: Non-owner,
residential Investment purchases - at LOW conventional, conforming type Rates. Mortgages
are what we do...Refinances, Purchases, Conforming, Non-Conforming, Sub Prime - 1st
mortgages or 2nd mortgages. On a purchase loan, the seller can pay up to 6% of the
non-recurring closing costs on owner-occupied properties (and on some investment
residential property loans). Residential conforming-type loans can go up to $2,000,000;
whereas our Sub-Prime allows up to: $4,000,000 Loans.On a refinance mortgage, we can do
2nd mortgages up to 125%, depending on credit and location and property. We work
nationally. Debt consolidation refinances are a specialty also - so that a client borrower
can save money and reduce monthly payments in order save for retirement, put a child
through school, purchase a new vehicle, etc. We also do quick pre-qualifications on your
mortgage applications. Questions? e-mail Miscellaneous investment information Link
100% home loans, no
down mortgage loans, zero down financing, no down payment, Down payment assistance,
countrywide,100%, 90% investment property, NOO, Online application, 100% owner
occupied primary residence mortgage loans, loanweb, ditech, pre-qualify,
lending tree, eloan, e-loan, quickenloans, quicken home loans, e-loan, 95-97% refinance,
refi, real estate, chase, ameriquest, lendingtree, jp morgan chase, h&r
block, bank loan, CA, AZ,CO, CT,HI,ID,IL, IA, KS, MA, MD, MN, MO, MS, NC, NE, NJ,
NM, NV, NY, OH, OK, OR, PA, RI, SC, TN, TX, UT, WA, VA, WI, FNMA, Fannie Mae,
FreddieMac, FHA, VA, FHA Secure
APPLICATION
(residential mortgage loan application Link) 100%
home loan financing, 90% investment property financing, Zero down home loans, 90%
non-owner investor properties, No down financing, primary residence to 125%, Houston to
Dallas to San Antonio to Jersey City, NJ to Austin TX to Denver,CO to Omaha, NE, to
Lincoln to Springfield to Minneapolis, MN to Hammond, IN to Springfield, Refinance or
purchase. mogage mogages homes motgage mortgages loan loans money refinance find mortgage
home loan, loans, bad credit good credit woodridge bolingbrook romeoville wheaton glen
ellyn brigham young university, LDS relocators, problem credit, near school near churches
missionary zeal is our attitude toward customer service, The Golden Rule is our Guide,
Missouri, St.louis, Michigan, Ann Arbor, colorado, new jersey, Jersey city, newark,
Comerica, Bank of New York, Aurora Loan Services, Lehman Brothers, BFS, Lender, Lending
Directory, Underwriting Guidelines, Loan Officer Licensing, Bonds, Bond Market, LIBOR,
derivatives, compliance, virtual office, delivery mortgage, consulting, consultant,
custodian, document preparation, job, jobs, message board, commercial and residential
loans, portfolio, brokering, hard money, calculator, news industry, pipeline, private
lending, mba, commercial lending, American Bankers Association, Better Business Bureau,
MBAA, AMCC, NHEMA, AAMB, CAMB, LION Inc, GMAC, Homecomings Financial, Franklin Bank, ABN
Amro, LaSalle National, Multifamily, Multi family, Venture capital, appraisal, appraiser,
small business loans, PMI, MIP, Reg Z, Section 32, TIL, TILA, Regulation Z, No Doc, HMDA,
Yield Spread premium, HELOC, HOEPA, RESPA, Contract loan processing, warehouse loans,
warehouse lines, flood determinatinos, wholesale, BC lending, BCD lender, comps,
comparables, NAMP, HUD, FNMA, LP, DU, DO, FHLB, FDIC, MORNET, Calyx, Ellie Mae, FHA 203k,
Net branch, Net branches, Long Beach, WAMU, Washington Mutual, VOD VOE VOR VOL, alltel,
1003, 1008, option one, the money store, alternative, conti, commonwealth united,
transamerica, novastar, carteret, originators, insurance, Good Faith Estimate, GFE,
Tennessee, Missouri, Michigan,Oklahoma,Colorado,TX,Texas, IN, NE, NM, ND, NJ, 100% home
loans
Mortgage
Home Loan Investment Center 1
