Unique loans for Owner Occupied & Investor Borrowers in Southern Cal


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I’m working with a new lender who is willing to make loans for a very limited time. These are Southern California Loans:

 Here are some highlights below:

  • 60% DTI Owner Occ/ NO DTI on Investment Prop.
  • Investment/Primary properties to 75% LTV
  • Foreign National to 70% LTV
  • Qualify with Interest Only on Non Prime up to 75%LTV
  • 5/1ARM, 7/1 ARM, 10/1 ARM, INTEREST ONLY
  • Cross Collateralization- Asset Depletion -NO PREPAY
  • LOW FICO SCORES ARE – OK –  
  • Credit events accepted (FC,SS,BK)
  • ALL RATES –- 5.49% – 7.99% I/O
  • ALL Products – 30yr. Amortizing  5/1, 7/1, 10/1 ARMS

   NICHE’S

  • BANK STATEMENTSLLC. Corp. BUSINESS or PERSONAL
  • $500,000 MIN to $10,000,000 MAX
  • LOW FICO’S on JUMBO/SUPER JUMBO LOANS
  • NO LIMIT ON CASH-OUT amount
  • NO SEASONING on the right deals
  • NO SEASONING on CREDIT EVENTS, BK, FC & Short Sale
  • Less than 2 years SELF EMPLOYED & NEW SELF EMPLOYED
  • In House/Manual UW for ALL Loans
  • Residential Loans Only, SFR, condos, 1-4 units
  • Products: 70% – 75% LTV -up to –10 Million-
  • 5.49% to 7.49% –  5 year Interest Only Loans
  • No Pre Payment Penalties

TOP REASONS & YOUR ADVANTAGE

  • Timing (Fast Closing)
  • Human “Make Sense” underwriting 
  • High DTI (I’ve done deals at 140 DTI, with traditional calculations*)
  • Lend to a corporation
  • Hard Money type lending guidelines with Alt A rates. 
  • Interest Only option available

Blumenthal Residence, Sunset Plaza

  Their MISSION

  • Serve a misunderstood Jumbo & Super Jumbo market
  • Fund “Make Sense” loans when Traditional channels will not.
  • Understand & Listen to our clients story with an unbiased Human Approach.
  • MAKE EXCEPTIONS based on COMPENSATING FACTORS AND ACTUALLY FUND DEALS BECAUSE THEY MAKE SENSE 

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