π’ π² Perfect Home Mortgage [No Ratio] for Hard to Qualify Borrowers!π’ π²
This new program is ideal for:
β’ Self-Employed/Small Business Owner
β’ Volatile or Irregular Income
β’ Retired
β’ Seasonal or Gig Workers
β’ Real Estate Investors
β’ Owners or Employees of Cash Businesses
β’ Newly Self-Employed
β’ Transitioning from recent health, family or other life events
β’ Looking to tap trapped home equity
β’ Recent Immigration
β’ Disqualified Income
Program Highlights:π’ π²
β’ Primary Residence and Second Homes and Investment Property
β’ Credit underwritten based on LTV, FICO and Liquidity
β’ Cash out can be used to cover Reserve requirements
β’ No Income Documentation Required
β’ No Tax returns, no 4506, no paystubs
β’ No verification of Employment
β’ Income Not Stated
β’ No Debt-to-income (DTI) Calculated
β’ Asset Seasoning 30 days
β’ Loan amounts up to $3 million
β’ Up to 80% LTV Purchase/Rate & Term
β’ FICO beginning at 640
β’ Reserves from 3 months [based on FICO] cash out can be used to cover reserve requirements
β’ No Ratio or Lite Doc
π’ π² New Additional Program Option: New! Alt-Doc Base Rate Drops to 7.
49%π’ π²
Lender Just lowered the par rate on its popular Alt-Doc loan to 7.
49%!
This significant price reduction also comes with several key enhancements sure to get you off the sidelines and actively shopping for homes:
Expanded FICO eligibility to 620 from 660
1099 only expense ratio now 25%
Asset Assist calculation now divided by 120 months
Expect more great rate news and announcements from CalMutual Mortgage! Weβre doing everything we can every day to make homeownership more accessible and affordable for all customers.
Call Mary Ann today 949-212-8816 310-507-9147 OR Jeff 714-269-9000 to get started!
CalMutual Inc.
is a California corporation operating with the following licenses: DRE# 01946651, NMLS# 1160889;
https://apps.
hud.
gov/images/fheo175.
gif
Equal Housing Lender.
Cal Mutual Inc.
is a California corporation operating with the following licenses: DRE# 01946651, NMLS# 1160889; dba; KIZZOW.
COM, dba; Cal Mutual.
This is not an offer for an extension of credit or a commitment to lend.
Information, pricing programs and rates are subject to change at any time without notice.
Other terms and conditions will apply.
Loans|New business|Start-ups|lines of Credit|Capital|title loans|car title loans|bad credit| business advances |restaurant financing|seasonal business|No income verification|No employment verification|Owner Occupied|sub prime| fast funding| Conventional|Lender|Hard Money| Private Lender|mortgage calculator|home loan calculator| interest rates|Brokers|Home equity loan|mortgage payment calculator|company|best lender|lowest rates|lowest fees|private money|investment| commercial|fix and flip|conforming loan|purchase loans|bridge loan|loan|refinance|refinancing|mortgage loan|lower interest rate|broker|loan broker|home mortgage|refinancing home mortgage|mortgage loans|refinancing mortgage|refinance|mortgage loan| mortgage rates|interest rates|real estate mortgage| mortgage estate|mortgage broker|mortgage credit| mortgage interest|lending tree mortgage|mortgage bad credit|park mortgage|mortgage company|mortgage best|second mortgage|mortgage|home loan|mortgage payment|mortgage commercial|mortgage lenders new home
mortgage|fixed mortgage|adjustable loan| foreclosure|tax sale|California Mortgage|Construction Loan|real estate loan|commercial loan|reo|loan officer| equity loan| mixed use|zero down| own payment assistance|0%|second|grant|credit cards|credit card processing|closing cost|streamline| VA|Business For Sales|vets| reservists| national guard| financing| finance| pre-approval| pre-qualifying| pre-qualify| 100%|stated income|bank statements|self-employed|great rates|| closing cost|low rates| ree consultation|easy qualifying| foreclosure| ISO| bankruptcy||bad credit| Brokers| no tax returns| stated income| cash out| local broker|realtor| agent|1st time home buyer| pre-qualified| pre-qualification| debt consolidation|all credit| 100% loan |red fin|zillow|realtor com|Veterans| New business|Capital|Fix flips loans|Financing for rehabs|Co-signers accepted|Money for startups|no business credit required|working capital|Quick loan|loan|funding|personal loan| |unsecured loan|Cash| Money|loans|rehab funding|personal
loans|refinance|cash out|Hard Money |Direct Lender|Business 100% financing, Low Credit, Bad Credit, Loan, Mortgage, Financing, Refinance, Low Scores, FHA, Commercial, Multifamily, Mixed Use, Not Qualified, Real Estate Loan, Real Estate Mortgage, 2nd, Mortgage, Hard Money, Private Money, Fast Cash, Quick Close, Loan, Stated Income, No Income Verify, 1sts, 2nds, Conventional, FHA, VA, Jumbo Loans, Home Loan, Home Loans, Mortgage, Lender, Hard Money, Private Lender, mortgage calculator, home loan calculator, interest rates, FHA Loans, Home equity loan, mortgage payment calculator, reverse mortgage, HECM, seniors, low rates, best loans, LTV, Loan to value, jumbo reverse mortgage, best mortgage company, best lender, lowest rates, lowest fees, private money, investment, commercial, fix and flip, conforming loan, purchase loans, bridge loan, loan, refinance, refinancing, mortgage loan, lower interest rate, broker, loan broker, home mortgage, refinancing home mortgage, mortgage loans, refinancing mortgage, refinance,
mortgage loan, mortgage rates, interest rates, real estate mortgage, mortgage estate, mortgage sale, mortgage for sale, mortgage city, new mortgage, Wells Fargo home mortgage, mortgage broker, mortgage credit, mortgage interest, Countrywide mortgage, mortgage bad credit, park mortgage, national city mortgage, Wells Fargo mortgage, mortgage company, mortgage best, second mortgage, mortgage home loan, mortgage payment, mortgage commercial, mortgage lenders, mortgage insurance, Washington mutual, mortgage bank, San Diego mortgage, new home mortgage, fixed mortgage, adjustable loan, foreclosure, tax sale, Orange County Mortgage, Los Angeles Mortgage, San Francisco Mortgage, Inland Empire Mortgage, California Mortgage, Construction Loan, real estate loan, 2nd loan, 2nd mortgage, commercial loan, reo, loan officer, equity loan, mixed use, zero down, down payment assistance, 0%, second, grant, closing cost, streamline, VA, military, vets, reservists, national guard, financing, finance, pre-approval, pre-qualifying,
pre-qualify, 100%, stated income, bank statements, self-employed, great rates, closing cost, low rates, free consultation, easy qualifying, foreclosure, short sale, bankruptcy, bad credit, Fannie Mae, Freddie Mac, zero down, no tax returns, stated income, cash out, local broker, realtor, agent, 1st time home buyer, pre qualified, prequalification, debt consolidation, all credit, 100% loan, Asset Lending, Fix and Flip, cash out Refinance, Refinance, No credit , No Docs, No Documentation