Copyright © 2019 - American Capital Group - All rights reserved. NMLS# 305011 | CA Department of Real Estate - DRE #01342181

CONVENTIONAL LOANS

 

● All available FNMA and Fredi Mac

    products

● Minimum 620 FICO

● W2 paystubs and 1 Year Income Tax only

● Transferred Appraisals OK

● UP to 97% LTV

● 90% LTV no PMI

PRIVATE (HARD) MONEY LOANS

 

● No Primary Residences

● Up to 75% LTV on purchase

● No income documentation

● 12-60 month terms

● No Prepayment Penalties

● Foreign Nationals OK

● 5-day closing

                        NON-QM LOANS (ALT-A)

● Asset Qualification – Borrowers are

    qualified  based on verified assets

    minimum FICO credit  score 600

● Self Employed borrower using only

    bank statements or P&L

● Wage earners – Verification of

    employment only

● Loan amounts to 13M

● Minimum FICO 500

● Foreign Nationals Allowed

                              JUMBO LOANS

 

● Both Fixed and ARM Products

● Interest only options on 5,7 & 10 ARMS

● Min 730 Fico

● Investments with 760 FICO

● Up to 90% LTV with MI

                      FHA LOANS

 

● Min 580 FICO

● Non-residing Co-Borrower Ok

● No Appraisal in many cases

● Fixed and ARM up to 96.5% LTV

 

             INVESTOR LOANS

● No Verification of Income or

    Employment

● Purchase, Refinance and Cash Out

    Allowed

● No limit on number of properties

● Foreign Nationals allowed.

● LTV to 80% with 730 FICO

● Min 620 FICO