Our Services
Our Investors receive these FREE services with their mortgage experience!

Status Updates by E-mail throughout the Mortgage Process:

- Pre-qualification Certification

- Borrower Receives the Application, Good Faith Estimate and Disclosures by E-mail

- Notification that your original singed Application has been received by our office
- Appraisal has been ordered
- Underwriting submission -  file sent to underwriting
- Approval with conditions

- Clear to close notification from the lender
- Delivery of closing package to the title agency

- Disbursement confirmation from the title agency
 

Great LOW Fixed Rates on full documentation 80/10/10 with NO mortgage insurance! - Two Choices - one loan or a combo with a first and second mortgage Bank Statement Loans (6, 12 or 24 months) - average deposits to determine income qualifications Commercial Lines of Credits and Small Business Loans True No Income, Employment or Asset documentation (No Doc) 95% Second Home & Vacation Home financing 90% Commercial Retail Strip and Multi-family (5+ units) - Lender held first mtg at 80%LTV plus seller held second at 90%LTV Low Down Payment - Multi-family (1 – 4 units) Stated Asset programs available Rehabilitation & Purchase or Refinance all in ONE LOAN! Up to 80% Foreign National financing Construction & Permanent investor loans Self Directed IRA Lending available No Landlord experience programs Unlimited number of properties owned

Credit Watch:  Since we work with investor during their acquisition and investing phase, we see the investor’s credit report before they began investing and during.

At Pre-qualification: We review your credit and give you tips on how to possibly improve your credit score further. For example, if you are purchasing a new construction that has 3 months left then these corrections to your credit could improve your credit score therefore improving your rate and terms before closing.

While purchasing: We monitor your credit score and what might affect your score. As the months pass and you continue to buy houses, we will need to pull your credit report to keep it “new” for underwriting though we do keep the credit pulls as minimal has possible. We continuously compare it to the prior reports and notify you immediately if any major changes. If there is anything that can be done to improve it, we will give you the suggestions to keep your score has high as possible so your rates stay as low as possible for future financing.

Property management guidance and tips on tenant screening:  Tica has 20 tenants which she personally manages 19 in two states on both commercial and residential properties. Feel free to bounce your questions and concern and hear our point of view on property management. Hear our tips on automatic rent increases, enforcing late fees and what questions to ask when screening your tenants. What to look for when analyzing potential tenant’s employment, income, rent and credit history… just like a lender screens a borrower.

Lots of Options: We feel everyone has separate and individual goals. That’s why when a borrower calls us asking for a 5% down payment rate quote, We will give them both a quote for 5% and 10% down payment. This allows the buyer to understand the premium they are paying to put less down. If the borrower is looking for interest only payments, we will give them the information for principal and interest payments as well. If you are inquiring about a five-year fixed, we’ll give you the option of a 30-year fixed too, at times, the 10-year fixed may be attractive too.

We work hard and take the extra time to give our customers as many reasonable options so they can make the best informed decision on something that will affect their pocket book every month and their overall investment achievements.

First time investors:  First time investors receive the added benefit of extra time for questions, answers and detailed explanations every step of the way to make you feel more comfortable in the several decisions you will be making during the course of your mortgage process, property due diligences and pre-closing procedures. We love this business and love teaching the fascinating dynamics of the mortgage industry and how it plays a key role in your investment success!

Experienced Investors:  With our experience with multi property owners, you’ll feel the comfort of talking with people that understands how to process your type of financial situation. We are very used to processing mortgages for investors with 10, 15, 20 or even 30 properties! Recently, we processed an investor with 50 mortgages on 30 properties. Tica personally owns over 20 properties and she understands how frustrating it can be dealing with a mortgage representative that is inexperience with borrowers owning multi properties.