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The mortgage home loan market has been undergoing severe change lately; we are here to help make sure that your loan is handled smoothly. By working closely with our clients, we are able to determine the loan program that comfortably fits within their budget, yet allows them to buy the "most home" they can afford.
For a "Quick Quote", please go to our Request For Quote page (it is NOT an Application) at: http://www.mortgageoffice.com/RFQ_Request.htm
Obtaining a mortgage has become very complex. Without the right knowledge and help it can become a very frustrating process. You will find that we strive to ensure that obtaining a mortgage is more of a pain free, worthwhile process.
It is now possible for borrowers to obtain loan approvals in as little as 4 hours (the "norm" is 1-2 days), and move into their new homes within 3-4 weeks! This is made possible by our automated submission and underwriting process.
Borrowers can now fill out our mortgage loan application, online by going to the "APPLY NOW!" button on this page (and Setting Up a New Account) - and then following the procedure outlined at: www.mortgageoffice.com/process.htm
Keys:
No money out of your pocket IS possible - with our FHA purchase mortgage loan financing (97% loan plus 3% DPA (Down Payment Assistance) - plus seller can pay up to 6% fo sales price towards your closing costs); or, 100% VA loan.
FHA Loan LIMITS:
https://entp.hud.gov/idapp/html/hicostlook.cfm
100% VA Home Loans purchase money mortgage loans
97% Conventional home loans available, too - for Purchase.
97.75% refinance loans - get rid of your ARM and get into a FIXED Rate Mortgage
Plus, for subprime borrowers who need Assistance, we can go up to 97.65% refinance mortgages (30 year Fixed Rate Mortgage) with the "FHA Secure" program:
FHA Secure underwriting guidelines (CLICK Here)
Investment properties:
10% down for investment property mortgage loans - on single family homes, condo, townhome, PUD and 2 family units. 80% loans on 3-4 unit NOO (investment properties). Most investment property loans are FULL income Doc; but we still (as of 3/31/2008) have a STATED Income (Verified Asset) loan available to 90% on Single Family properties.
Cash out programs: Generally at 75%, but we do have one program to 90%.
Cash out for LLC's: 65%
Stated income still available as of 3/31/2008.
Home Loans
You can take out loans to buy or build a home, or take out loans on the equity in your home at some of the lowest interest rates around. We can get you a loan quickly, easily and at a fair rate. Take a look at the different types of home loans we offer:
 Mortgage Loans
Whether you are a first-time home buyer or are looking for a larger home, we have the perfect loan to fit your need and financial situation.
New Home Construction Loans
You have been planning your dream home for years. We can help make your dreams a reality with new construction loans.
Refinance Loans
You may be able to refinance your mortgage and cash in on the savings.
Home Equity Loans
Use the equity you have already built up in your home to make that special purchase or consolidate high-interest debt at much lower rates than many other types of loans.
Investment Property financing:
90% Non-Owner, 1-2 units (80% on 3-4 units), Purchase financing. Guidelines continue to change on high LTV investment property financing - so please call or email for updated information. Call (281) 576-7655 or email: alrodenburg@yahoo.com for assistance.
100% home financing available - in different structures:
a. 97% one loan (FHA) + 3% down payment assistance
b. 100% home loans for honorably discharged veterans
Loans now available in 49 States (not SD).
***All loan programs subject to change without notice; and are Subject to Underwriting guidelines.
100% mortgage loan financing available.
note: We are NOT affiliated with Challenge Financial Investors Corp / CFIC Home Mortgage. Visit http://www.mortgageoffice.com/CFIC_HOME_MORTGAGE.htm for Information.
FHA (primary residence) purchase program can start with credit score as low as 551*.
Investment program: 90%. Subprime loan programs are still available fore primary residences. First time home buyer program with 100% financing IS AVAILABLE. Please note that our "Process" can be found at: www.mortgageoffice.com/process.htm.
Up to 100% mortgage loan financing (up to 97% refinances - rate and term) on owner occupied, primary residence homes. Cash out refinances up to 95% available in all states except TX.
Call Al Rodenburg at (281) 576-7655 for immediate response or toll-free# 877-209-8600. Our company can assist you in all 49 States (not SD), plus Washington DC. ANY Questions, please e-mail: alrodenburg@yahoo.com .
Investors buying a single family or 2 unit investment property with - with 10% down - are our niche. We also do many primary residence mortgage loans - upto 100% on purchases and high LTV refinances.
We are committed to helping people realize the American Dream of home ownership by tailoring the financing to fit their needs. By working closely with our clients, we are able to determine the loan program that comfortably fits within their budget, yet allows them to buy the "most home" they can afford.
Obtaining a mortgage has become very complex. Without the right knowledge and help it can become a very frustrating process. You will find that we strive to ensure that obtaining a mortgage is more of a pain free, worthwhile process.
The mortgage industry is currently undergoing major changes in the way a homeowner obtains a mortgage. With the advent of the computer age, technology is paving the way toward faster and less restrictive lending practices. It is now possible for borrowers to obtain loan approvals in as little as 4 hours (the "norm" is 1-2 days), and move into their new homes within 3-4 weeks!
This is made possible by our automated submission and underwriting process. Borrowers can now fill out our mortgage loan application, online.
The "Process":
Please Follow these Steps (Note: there are NO Upfront application fees):
Step # 1: Fill out an APPLICATION (see "APPLY NOW!" - to the Left; then go to the Section entitled "Set Up New Account").
Step # 2: Please Call: (877) 209-8600 - to review your Application - and to pull and review your credit with you - to make sure that all items are accurate.
Step # 3: Wait 24 hours for "PreApproval". We should be able to email you a PreApproval letter within 1 business day, many times sooner.
Whether it's a 100% purchase; debt consolidation refinance; refinance for Better Rate, Cash for a special project, etc., we are there to help.
Our company is a registered in most states. We can help you get your mortgage loan processed Quickly. We work direct with our clients (the consumer) - we do not have a wholesale division for other bankers/brokers.
We are committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements.
We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools that enable you to make sound financial choices.
Main email address is: loan@mortgageoffice.com. Main web page: www.mortgageoffice.com
Stated Income Investor : Single Family and 2-4 unit properties
Scores refer to middle credit score (out of 3 bureau scores)
This information applies only to residential investment property loans - with Stated Income documentation only
Note: Cash out loans with no seasoning are possible; however, the property can not have been listed for sale within the last 90 days.
Other conditions apply (score is not the only criteria for underwriting).
*All programs subject change without notice.
NOO/Investor info - Effective: May 9, 2008.
SIVA (Stated Income, Verified Assets)
PURCHASE OR RATE/TERM
75% 1-2 UNITS 680 SCORE PRIMARY RES
75% 3-4 UNITS 720 SCORE " "
75% 1-2 UNITS 700 SCORE INVESTMENT
75% 3-4 UNITS 720 SCORE " "
CASH-OUTS
75% 1-2 UNITS 700 SCORE PRIMARY RES
70% 3-4 UNITS 720 SCORE " "
75% 1-2 UNITS 720 SCORE INVESTMENT
70% 3-4 UNITS 720 SCORE " "
NOTE: MAX. 5 FINANCED PROPERTIES (INCL. PRIMARY RES.)
SISA (Stated Income, Stated Assets)
PURCHASE OR RATE/TERM
75% 1-2 UNITS 700 SCORE PRIMARY RES
75% 3-4 UNITS 740 SCORE " "
75% 1-2 UNITS 720 SCORE INVESTMENT
75% 3-4 UNITS 740 SCORE " "
CASH-OUTS
75% 1-2 UNITS 720 SCORE PRIMARY RES
70% 3-4 UNITS 740 SCORE " "
75% 1-2 UNITS 740 SCORE INVESTMENT
70% 3-4 UNITS 740 SCORE " "
NOTE: MAX. 5 FINANCED PROPERTIES (INCL. PRIMARY RES.)
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Home Loans
You can take out loans to buy or build a home, or take out loans on the equity in your home at some of the lowest interest rates around. We can get you a loan quickly, easily and at a fair rate. Take a look at the different types of home loans we offer:
Mortgage Loans
Whether you are a first-time home buyer or are looking for a larger home, we have the perfect loan to fit your need and financial situation.
Refinance Loans
You may be able to refinance your mortgage and cash in on the savings.
Home Equity Loans
Use the equity you have already built up in your home to make that special purchase or consolidate high-interest debt at much lower rates than many other types of loans.
The Mortgage Office welcomes you! We specialize in high LTV home loans (for primary residences) and investment property financing.
Refinances on Primary Residences, up to 97% - on primary residence mortgage loans, too.
For assistance, please call Al Rodenburg at (281) 576-7655 or Toll-Free: 1-877-209-8600. The web site, www.mortgageoffice.com , has a lot of information, too. You can also e-mail: guide@mortgageoffice.com with any Questions.
Although our office specializes in high LTV (90%) financing on NOO (non-owner) investment residential (1-2 units; 80% on 3-4 units) property in the U.S., we also help our clients with buying or refinancing their principal residence. We can offer purchase money loans up to 100% on a primary residence and refinance loans up to 125% of value - depending on the state. We are committed to helping people realize the American Dream of home ownership by tailoring the financing to fit their needs.
With the advent of the computer age, technology is paving the way toward Another option is to go to our "Downloads" page and print out an Application and Fax it to our Fax # (713) 589-2003, att: Processing .
We have implemented this new technology in order to provide the best possible service for our customers. We hope you are as excited about the possibilities as we are!
All we ask is for a chance to earn your business! |
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