HomeReady Mortgage Loan Program Homeready Mortgage Loan Program 3% Down Payment Borrower is NOT required to be a first-time buyer Gift Funds Eligible For Down Payment No Mortgage Insurance Up to $525 APPRAISAL CREDIT Minimum FICO Score 640

MORTGAGE LOANS No Tax Return, No 4506T, No W2, No Paycheck Stubs Alternative Ways to Qualify   stated income mortgage loan Experts in Stated Income & Self-Employed Loans From 5% No Tax Return No Paycheck Stubs NO 4506-T FOREIGN NATIONALS OK UP TO 80% LTV with NO DOCS UP TO 90% LTV with Bank Statements CPA P&L Verification Only 12

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 now available 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

Interest Only Mortgage Save with Interest Only Mortgage Flexible Payment Option Loan amounts from $250,000 to 2M FREE Up Cash Flow

Jumbo Mortgage Program-JUMBO 90% LTV Jumbo Mortgage Program Fast and Easy Closing Great Fixed and ARM options Loan amount up to $2 M Self Employed & Salary Borrowers

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

Adjustable rate mortgage-SAVE CASH SAVE CASH BIG With ARM Great low rates Close in 30 days or less Conventional 30-year fixed program There’s no reason to wait.

Use gift funds as down payment Use Gift Funds 100% for adown payment Great low rates Close in 30 days or less Conventional 30-year fixed program Available with NO MI There’s no reason to wait.