What Do We Finance?
1. Purchase loan ( First Time Home Buyer, Second Home, Investors)
2. Cash out refinance or no cash out refinance
3. Residential Mortgage Loan Financing Up to 110%
4. Bare Land Financing Up To 80% LTV
5. Construction Loans Up To 100% LTV
6. Commercial Loans Up To 90% LTV

Who are qualified?
1. Minimum FICO is 500, if your FICO scores is low, please consult how to increase my credit scores.
2. For Self-employed: Minimum 2 years in current business.
3. For Wage Earner: minimum 2 years working history for your current employer.
some exception may apply please consult the detail underwriting guide line for loan qualification.


The Loan Type we have:
1. 15 years fixed, 20 years fixed, 30 years fixed, 40 years fixed and 50 years fixed
2. Adjustable
3. Option ARM (minimum payment rate start from 1%)
4. Pay Option ARM/Hybrid
5. Option ARM with 5 years fixed ( minimum payment rate start from 2%)
6. One Loan up to 100%
7. 80/20 Jumbo Loan
8. Balloon Payment

Document Type:
1. Full Document
2. Stated Income Verified Assess (SIVA)
3. Stated Income Stated Assess (SISA)
4. No Document ( only employment status will be verified, everything else no need to be on the loan document)