Programs

Every loan has a story.... and behind every story, there's a dream. We offer loans tailored to your needs, such as self-employment loans, flexible mortgage programs and more!

 

With your best interest at heart, I work diligently to provide transparent mortgage planning with a long-term vision. What's your dream? Call me today! 408-691-3029

 

Here are just a few of the loan programs we offer.

Fixed Rate Mortgage

10, 15, 30 year fixed

A fixed rate mortgage is a mortgage that has a fixed interest rate for the entire term of the loan. With a fixed-rate mortgage, borrowers do not have to worry about interest rates spiking and increasing their mortgage payment.

Adjustable Rate Mortgages

3/6, 5/6, 7/6, 10/6 ARM

A mortgage in which the interest rate fluctuates at set periods based on the current market. Typically denoted in the form “introductory period/interval for adjustment,” as in a 5/6 ARM in which the first 5 years are fixed, and then the subsequent rates are readjusted every 6 months.

Niches

  • Alternative Credit for Not Enough Credit History

  • Asset Depletion for More Income to Qualify

  • Bank Statement Programs for Self-Employed

  • Bridge Loans for Not Enough Income/Downpay to Buy First and Sell Later

  • Cross Collateral for High Income Earners to Buy First and Sell Later

  • DSCR Based on Rental Income Only to Qualify

  • FHA and other Government-`Assisted Programs

  • Foreign Nationals for Regular Residential Programs

  • Low Credit Scores

  • Non-Warrantable Condos (but not structural related)

  • One-Year Tax Return for Jumbo Loans

  • Vesting in Entities