All of the Things We Do!

Here is a list of all of the programs we have to offer...if you're interested!

Community Commitment: 100% Financing, No Money Down, No PMI, No Min. Credit Score, Income Limit of 52k in Mecklenburg and Cabarrus

My Community: For Low to Moderate Income Borrowers, High Debt to Income ratio borrowers can utilize this program to purchase more home, Minimal mortgage insurance, below market interest rates for qualified buyers.

FHA: Flexibility, Low Down Payments, 3% Seller Gifting of Down Payment and Closing Costs, Good Rates and Payments!

VA: No Money Down, No PMI Loan for Veterans of the US Armed Forces. Low Rates and Payments!

Fast and Easy Doc: 7 Day Close, 680 for non-conforming and 700 for conforming, No Doc for Excellent Credit, 5-10% Down, No Verification Needed, Low Rates and Fees!

Stated Income/Stated Asset: Self-Employed or Alternate Income Borrowers, Min 2 years business history in most cases, Flexible programs that suit most any W-2'd incomes, 100% Financing for qualified buyers, Lender Paid MI!, 620 Scores.

Fannie Mae: Conventional Mortgage that will allow No Money Down for many customers with credit scores in the 500's!, Past due balances can't exceed $5000, Must see to believe the approvals we get with this one!

Subprime: All credit types considered, No mortgage insurance in most cases, No excessive points and fees for someone with less than perfect credit, treated with dignity and respect regardless of credit profile.

Investors: We specialize in getting foreclosed property loans done, HUD foreclosures or bank foreclosures, little or no money down options for qualified investors.

Rehab loans: 203 and 203k streamlined along with other alternate financing, owner occupied buyer purchasing a fixer-upper, Don't let the investors get all the deals!

Manufactured Homes: FHA and Conventional, For good credit borrower, Rehab loans available for these too.

W-7's: Up to 95% financing for undocumented, non-permanent aliens, No credit scores needed so long as qualified, non-traditional credit available, No SSN required, Tax ID loans available.

Commercial: Multi-Family Dwelling, Offices, Warehouses, Churches, Rehab, Residential Properties zoned commercial, Stated Income/Verified Assets, No Doc/Verified Assets.