MORTGAGE LOAN PROGRAMS
Buying or refinancing a home? Utmost Pro has a full set of mortgage products to meet all of the borrowers needs.
Utmost Pro makes the mortgage process easy with Experienced Mortgage Representatives.
Down Payment Assistance Program CalHFA Conventional Loan Program is a CalHFA conventionally insured first mortgage loan featuring a fully amortizing fixed interest rate with a maximum 30-year term. This program requires a minimum 3% down payment No Income Limit for Family Size The California first time homebuyer assistance agency (CalHFA) will no longer base qualifying income limit
MORTGAGE LOANS NoTax Return, No 4506T, No W2, No Paycheck Stubs Stated Income Loans-are loans that do not require traditional verification of income. A stated income loan is perfect for self-employed and business owners who declared low income on their tax return. Our stated income loan agents are experienced in the loan industry and known for quick loan approvals.
Foreign National Mortgage Loans Utmost Pro offers highly competitive Foreign National Mortgage Loans.We custom build mortgages to meet the unique needs of nonresident aliens in search of real estate financing. We offer a variety of mortgage options, and our experienced underwriting and production teams provide expert guidance throughout the loan process, including the acquisition of the necessary documentation.
Hard Money We Close Loans that Banks Don’t No Paystubs, No Tax Returns “Make Sense Funding” with minimal to NO documentation What is a “Hard Money” loan? Traditional real estate loans like a personal mortgage are based on the borrower’s personal ability to repay the loan. This is measured by things like personal earnings, debt
DENIED MORTGAGE LOAN ? What to Do When Your Lender Says No The majority of homeowners turn to banks when it comes time to get a mortgage. They are the most obvious choice, mainly because home loan services are usually offered at the customer’s primary banking institution. According to the Mortgage Bankers Association, about 30
FHA Loans – Low Rates. Fixed and Adjustable Options Available Purchase or Refinance Get your FREE Pre-Approval Letter and FREE Credit Report Today! Down payment as low as 3.5% with an FHA Loan Credit Score Starting at 580 Close in as little as 30 Days Seller May Contribute up to 6% towards
Bank Statement Mortgage Loan No tax returns required 12 month bank statements 24 month bank statements Loans up to $2 million Credit scores down to 620 Up to 90% LTV DTI up to 50% considered Owner-occupied, 2nd homes, and investment properties Are You Self-Employed? If you’re looking to buy a home, we have good news.
Asset Depletion Mortgage Asset Depletion Mortgage is a method for calculating monthly income by dividing a borrower’s total assets by a set number of months. The borrower is not required to cash in their assets as they’re only used to demonstrate an ability to make the mortgage and housing payments. Borrowers who use an asset depletion
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