Judith Orsulic offers recommendation programs that you will love. With processing, underwriting that truly knows the market. Here are the most common loan programs that I can give guidance on:
Conforming Fixed
Options that allow for up to
3% down
FHA,VA&USDA RD
Down payments and expanded qualifying ratios.
Vacant Land
Options that allow for 10% down
Jumbo Loans
Rate options for loan amounts up to $3 million
Home Ready & Home Possible
97% financing with reduced mortgage insurance for qualified borrowers.
Construction
Financing for the construction of a new home with as 5%* down.
Zero Down Payment Options
0% down payment option for the first-time and repeat home buyers.
Common Sense Portfolio Programs
Flexible programs and options for loans that don’t fit “in the box”.
Non Warrantable Condominium
Financing for newer condo projects that do not meet conventional guidelines.
New
Financing for qualified borrowers who have had a financial hardship.
NON QM Loans
Rather than using cash for a down payment apply it towards a interest rate and loan term.
Renovation Programs
Renovation loans that allow for the purchase and rehab for a home.
Home Equity Loans
Closed-end 2nd mortgages and lines of credit available as stand alone products or in combination with a 1st mortgage and a combined CLTV of up to 95%.
Professional
Home financing for established professionals 3% down without monthly mortgage insurance.
Doctor Loans
Practicing Physicians may qualify for $0 down and no mortgage insurance.
Downpayment Assistant Programs
Options available to assist with down payment and closing costs for qualified borrowers.
