Purchase
    VA Loans up to 100% Financing starting with 500 FICO scores
    FHA loans starting with 500 FICO scores
    Conventional Loans (Fannie and Freddie standards) Min. 620 FICO scores

    Refinance
    VA Cash Out up to 90% of your home's value
    FHA Cash Out up to 80% of your home's value (some cases 85%)

    Bank Statement Program
    12 or 24 Months of Business or Personal  Bank Statements for Self-Employed Borrowers

    Investor/Hard Money Loans
    DSCR (Debt Service Coverage Ratio) Loans on residential apartments/commercial properties
    up to 80% of property's value and qualifications based on property's income and mortgage
    payments

    *The higher the FICO scores, the better the rate
    *Conventional Loans start at 3% down
    *FHA down payments start at 3.5% minimum
    *FHA 500 FICO will require 5-15% down payment upon purchase
    *Mortgage Insurance will apply to loans with down payments less than 20%
    *DSCR Investor Loans must meet certain property income/expense ratios to qualify (no
    personal income is considered with this type of loan)
    *"No FICO" loan programs will be underwritten and subject to lender conditions
Mortgage Calculator
Loan amount ($):
Interest rate (%):
Term (years):
Taxes, Insurances, HOA ($):
Monthly payment ($):
Total interest ($):
Average monthly interest ($):
Number of years:
E. Hubbard, MBA
Broker-MLO, e-PRO®, PSA, CPRES
NMLS ID 237372
(310) 330-6657