It depends on your credit, savings and the property. FHA is forgiving on credit and allows 3.5 percent down, conventional loans can start at 3 percent down with lower long-term mortgage insurance costs, and VA is zero down for eligible veterans. We compare all three with real payment numbers.
Conforming limits are set each year by the Federal Housing Finance Agency and vary by county. Loans above the limit for Sacramento, Placer or El Dorado County are jumbo loans with different guidelines. We confirm the current limit for your county when we structure the loan.
Yes. Self-employed borrowers can qualify with tax returns, and when returns do not reflect real cash flow we have bank-statement and DSCR programs through our lender network. Bring your last two years of returns and twelve months of statements and we will map the options.
Yes. We broker conventional investor loans, DSCR loans that qualify on the property's rent, no-income investor loans and fix-and-flip financing for Sacramento-area investors. Most can close in an LLC where the lender allows it.
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