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30 Year Fixed Rate : 4.5 %
0 Points * APR:

15 Year Fixed Rate : 4.25 %
0 Points * APR:

Hybrid 5 Year Fixed : 0 %
0 Points * APR:
interest only to $2 million.

   *APRS based on $200k loan amount


Niche Programs


If you are self employed and you cannot document your income with your last 2 years of tax returns because you take alot of write offs, it is possible to refinance or purchase a home by documenting your income with 12 months of personal bank statements. The maximum LTV is at 70% normally although 80% is possible on a primary residence. If your business is a sole proprietorship, you can also use 12 months of business bank statements. It is also possible to document with a p&l statement and CPA letter stating that you have been in your line of work for at least 2 full years. The mortgage product for this loan is a 5/1 ARM and is in the mid 5%'s. You will need to have some reserves in the bank of at least 6 months reserves for your home and an additional 3 months for each other financed property that you own.










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