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Yes, we can do FULL Income Doc. and STATED Income Doc(SIVA) JUMBO and SUPER JUMBO loans:

All information refers to Single Family detached residences:

Primary Home                   
Max. Loan $$$:     Full Doc- $8MM....Siva= $3MM              

2nd Home                       
Max. Loan $$$:     Full Doc= $5MM....Siva= $1.5MM            

NOO - Investment                       
Max. Loan $$$:      Full Doc= $1MM....Siva=  N/A          

If interested, please fill out our On-Line application

or Call : (281) 576-7655 or: e-mail: mortgageoffice@gmail.com

or fill out my Quick Quote/RFQ form - This goes Directly to Me (Al Rodenburg), no one else.
(I will review it and get back to you, within 24 hours, or sooner.)

Updated: May 12, 2008.

DETAILED information (below):

High Net Worth Program (FULL Income and Asset information required)

Maximum Loan Amount:

ARM: $8,000,000; Fixed: $2,000,000

Purchase and Rate/Term Refinance

Loan Fully Amort. Interest Only (FULL Income Doc. only)

PRIMARY LTV/CLTV Loan $$$ Full Amort. ARM and Fixed FICO Interest Only ARM and Fixed FICO
1 - 4 unit 90% 600,000 LTV</=70%;620  
  85% 800,000 LTV 70.01-90%: 660 LTV<=90%: 680
  80% 1,000,000    
  80% 2,000,000 680 680
  75% 3,500,000 720 720
  65% 5,000,000 720 720
  50% 8,000,000 720 720
2ND Home        
1-Unit 85% 500,000 660 680
  80% 1,000,000 660 680
  75% 2,000,000 660 680
  70% 3,000,000 680 680
  65% 4,000,000 680 680
  50% 5,000,000 720 720
Investment        
1 & 2-unit 80% 1,000,000 720 N/A
         
CASH-OUT Refinance      
PRIMARY LTV/CLTV Loan $$$ Fully Amort. ARM and Fixed FICO Interest Only ARM & Fixed FICO
      LTV</=70%: 620 720
  80% 1,000,000 LTV 70.01-80%: 660  
  80% 1,500,000 720 720
  75% 2,500,000 720 720
  65% 4,000,000 720 720
  50% 5,000,000 720 720
2ND Home        
1-unit 80% 800,000 680 680
  75% 1,500,000 680 680
  70% 2,000,000 680 680
  65% 3,000,000 680 680
  60% 4,000,000 720 720
  50% 5,000,000 720 720

Following section is still (as of 5/16/2008):

AG00271_.GIF (16239 bytes)

Asset Based Stated Income Program (SIVA)

ASSETS: Lesser of 50% of Borrower's Stated Income or $100,000

Minimum Reserves Required: 6 Months (PITI)

Conforming Loan Sizes; Purchase and Rate/Term

FICO (Score) minimum requirements (Primary Residence):
Primary          Program          LTV            FICO           LTV/CLTV

1-2 Units Fixed Rate </= 75% 680    80%/95%
1-2 Units Fixed Rate > 75% 700    80%/95%
1-2 Units ARM </= 80% 680    80%/95%
1-2 Units ARM > 80% 700    80%/95%
3-4 Units FR or ARM   700    80%/80%

Note: Cash outs on Primary Residence, 1-2 units only: max at 70%/70% with 700 score minimum.

Non-Conforming Loan Sizes; Purchase and Rate/Term

FICO (Score) minimum requirements on all loans > $1,500,000 = 720

Primary         Program          LTV            FICO         

1-2 Units Fixed Rate </= 75% 680  
1-2 Units Fixed Rate > 75% 700  
1-2 Units ARM All LTV's 700  
         
3-4 Units FR or ARM   700  

 

PRIMARY LTV/CLTV Loan $$$ Full Amort. ARM and Fixed FICO Interest Only ARM and Fixed FICO
1 80%/100% 500,000    
  85% 800,000    
  80% 1,000,000    
  80% 2,000,000    
  75% 3,500,000    
  65% 5,000,000    
  50% 8,000,000    
2ND Home        
1-Unit 85% 500,000 660 680
  80% 1,000,000 660 680
  75% 2,000,000 660 680
  70% 3,000,000 680 680
  65% 4,000,000 680 680
  50% 5,000,000 720 720
Investment        
1 & 2-unit 80% 1,000,000 720 N/A
         
CASH-OUT Refinance      
PRIMARY LTV/CLTV Loan $$$ Fully Amort. ARM and Fixed FICO Interest Only ARM & Fixed FICO
      LTV</=70%: 620 720
  80% 1,000,000 LTV 70.01-80%: 660  
  80% 1,500,000 720 720
  75% 2,500,000 720 720
  65% 4,000,000 720 720
  50% 5,000,000 720 720
2ND Home        
1-unit 80% 800,000 680 680
  75% 1,500,000 680 680
  70% 2,000,000 680 680
  65% 3,000,000 680 680
  60% 4,000,000 720 720
  50% 5,000,000 720 720

 

National Lending - from Texas to Chicago to California to Florida.

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

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