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100%
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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 on SFR and 2-family
and 3-4 unit Investment (NOO) properties.
Typical guidelines for No
Money Down, 100% investment property financing:
- 660(normal), 680 or: 720 middle credit score - depending on: property
State, type of Property (SFR, condo, 2 or 3-4 unit), type of Income documentation
("stated income" [verified assets] or "no ratio" or "full
doc") to 100%
- no mortgage lates in last 12 - 24 months, depending on underwriter
- no first time home buyers (exceptions permitted; depending on credit, etc.)
- Single Family, condo, townhome, 2-4 unit and PUD; all residential properties
- 100% is either: one loan (no MI / PMI) or a Combo*
- $100,000 minimum Loan (exceptions available)
*Subject market availability of 2nd's
(80/20; or 75/25; or: 70/30 combo)
Income Document types: "Full"
doc, "Stated" income
- 620 score for 95% financing
- Suggestion to lower costs: go with the 95% program
NOTE: ALL 100% Investment Property loans require verification of 6 month's
"reserves" (principal, interest, taxes and insurance - called "PITI")
- this can be any liquid asset (verificable for min. 2 months - such as 2 month's bank
statements) on subject property and any other properties purchased in Last 12 months.
It's as Easy as 1,2,3...
1.
Click Here to go to our APPLICATION Page (takes about 30 minutes to fill out)
("create new account" with your e-mail address and user-defined password - at
secure web site)
2. CALL: (281) 576-7655 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
3. 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.
4. 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.
States
we do loans in(Click Here)
100%
LTV available for Non-owner, investment properties:
LTV% determined by underwriting analysis of Application and Credit
Factors that could affect LTV
("Loan-To-Value")*:
- 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
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