Financing
As a Real Estate Broker and a Mortgage Loan Originator (NMLS 1880860) I can pre-qualified you for a loan, whether is:
FHA
Conventional
VA
Non-QM
Commercial Loans
Bridge Loans
Foreign Nationals
And many other types of loans, whether you’re looking for a loan to buy a home, or to refinance your current mortgage.
Call me for a free evaluation and to explore the best financing options available for you
The Loan Process
STEP 1
Complete your application.
Rest assure it won’t impact your credit score.
STEP 2
We’ll go over the best options and find the one it’s best for you.
STEP 3
Review the approved loans and choose the best one.
STEP 4
Get ready to access the capital you need.
What are the types of loans for Real Estate?
There’s a loan for each kind of investment.
Every loan is different and it depends on:
Profile
Income
Down payment
And what’s more important: What you want to achieve.
Types of Loans
Conventional Loan
The downpayment can be as low as 3%.
Loan term options available.
Fixed rate or Adjustable rate available.
No monthly mortgage insurance with a minimum of 20% down payment.
Existing mortgage can be canceled at 80% LTV.
Bank Statement Loan
12 months of bank statements required.
Usable assets: Bank statements, Bonds & Stocks, 401K, and mutual funds.
Loans up to 3M.
Refinancing up to 2M.
Foreign National Loan
They’re divide in FRL
& ARM.
ARL or Adjustable Rate Loans have payments that can be lower than a 30-year fixed rate, and can reduce your monthly payment in a big way.
FRL or Fixed Rate Loans are good if you’re planning to stay in the property for a minimum of 5 to 10 years; and your monthly payment wont change during the life of the loan.
Commercial Loan
Fixed and Adjustable Rate type of loans available.
Down payment can be as low as 10%.
Loans up to 5M.
No monthly mortgage insurance needed.
Multiple loan term options available.
Government Loan
Quick approval.
Access to capital.
It’s ok if you’ve bad credit, or have declared bankruptcy.
Low down payment.
Bank Statement Loan
12 months of bank statements required.
Usable assets: Bank statements, Bonds & Stocks, 401K, and mutual funds.
Loans up to 3M.
Refinancing up to 2M.
Investor Loan
Maximum loan: 2.5M (purchase & rate/term).
SFR, condo, 1-4 unit.
Cash flow based on subject property.
Tax returns: not required.
Employment: not required.
Income: not required.
No debt to income ratio calculated.
Jumbo Loan
If you want to borrow over 417,000 this non-conforming loan could be your option.
You can buy the home of your dream, in a desirable real estate market, with a higher price tag.
Refinancing your
current mortgage loan
Are you elegible for a refinance or to cash-out your property equity?
Sometimes we might have some urgent financial needs, including home improvements, and to have access to capital is possible by refinancing your home.
Lowering your loan’s interest rate can lower your monthly payment.
Refinance is a good idea?
It a wise decision, or it may not be worth it financially. It depends on many factors:
The length of time you plan to live in your property.
Current interest rates
How long it will take to recoup the closing costs.
Sometimes to evaluate if refinance
is a good idea for you, can be overwhelming.
I’m here to help you navigate all the variable you need to take into account to make an informed decision.
