Welcome to MortgageDenials.com The 2nd Look Company Quick Yes's & Quick No'

Call Us At 732-707-1464

Welcome to MortgageDenials.com The 2nd Look Company Quick Yes's & Quick No'

Call Us At 732-707-1464

Types of Mortgage Lending Opportunities

Owner Occupied No Income/No Job Requirements

35% Down-Payment

* Mixed-Use Buildings Investment

* Mixed-Use Buildings Primary

* Retail

* Multi-Family

* Warehouses

* Light Industrial Buildings

* Many other property types- Just Call Us

Unique

Past Credit Problems or Lack of reportable income may still enable you to buy a home. Free review!

* Non-warrantable Co-ops, Condotel, any other unique circumstances

* Unpermitted additions, Unpermitted (ADU's) additional dwelling units

* Properties with greater land value

* Properties agricultural and other exemptions

* Many other property types- Just Call Us

No Income Documentation Investors 1-10 Units

Call Anthony Pugliese Cell:732-707-1464 to discuss your mortgage options.

20% & 25% Down or Equity 1-10 Unit

* Investor mortgage with No Income Documentation at all.

* Mortgage payment can be below market rents

* Vacant Properties Acceptable

* Call on your Fall outs - Exceptions on many transaction

50% Down Hard Money

* Any PrimaryFull Income Documentation

* Any Investment Property No Income

* Make Sense Transactions

Call 732-707-1464 for Quick Yes or Quick No

Verification Letter from Employer Only to Verify Income

We will explain the process from beginning of your home exploration to closing.

Primary Purchase 1-4 Units 20%-25% Down Payment with a Letter from Employer to Verify Income to qualify for a mortgage

100% Financing

Remember, inflation will cost you more to buy if you wait. Build equity for the future.

* 100% Financing Full Income Document

* Eliminate mortgage insurance

* Mortgage/Home Equity 80/20 simultaneous closing

* Or Borrow 401K close and take 100% to payoff financing to payoff loan after closing

Specialty Mortgage Lending

Low rates & closing cost. All types of specialty mortgages for all circumstance.

Still want to purchase, We can help!

Denials, Call Direct Anthony Pugliese 732-707-1464 for Quick Yes or Quick No!

Provide you with down-payment & closing analysis before signing a contract with a pre-approval

How we can help!!!

* You've been told your past credit issues won't allow you to buy * You've been told that you don't report enough income

* You've been told that you don't have enough money for down payment and closing cost.

Call for Quick Yes or Quick No!

Anthony Pugliese NMLS# 500139 Call me Today at 732-707-1464 Direct, if you miss me text me.

We will provide you with a pre-approval before you sign a contract.

Close the deal

We will issue a Letter of Interest for a Pre-approval.

Non-Traditional Income Verification Programs

20% Down 1-4 Units or 25% Down 5-10 Units or 35% Mixed-Use to 2,000,000

No Tax Returns Required

Owner Occupied No Income Verification

20%-25% Down

► Primary Purchase 1-4 Units 20%-25% Down Payment with a Letter from Employer to Verify Income to qualify for a mortgage

Condominium Options

30% Down

► Many options for non-approved condominiums, investor concentration, high developer ownership, lawsuit issues..

Foreign National

20% Down

► Combination of Income Reported and Asset Depletion

Owner Occupied Asset Program

20% Down

► Asset Based Lending - Assets Exceed Mortgage request with required Reserves Qualification Mortgage

Owner Occupied Bridge Qualifier

30% Down

► Qualify based new home purchase only.

Lease Option

20% Equity

►No Money Down – Based on Appraisal Equity

Non-Owner Occupied No Income/ No Documentation

30% Down

► LTV Based on current market rents and /or projected rents.

(Vacant Ok)

100% Financing

0% Down

►100% Financing and We pay closing cost to buy and close, if qualify!

Low credit score Lending

Call Quick Yes or Quick No!

► Recent Short Sales

► Recent Foreclosures

► Recent Bankruptcies

► Overall Credit issues

Sample Prior Closings

Owner Occupied

Apartment House

Owner Occupied

► Borrower had post-closing liquid assets greater than the loan amount which automatically qualified. We closed the transaction with minimum 25% down, used 50% of 401k/IRA balances, assets to qualify.

Owner Occupied

Apartment House

Owner Occupied

► Borrower had high debt to income but substantial post-closing reserves. We used a portion of the assets to supplement income/ability to pay mortgage.

Apartment House

Mix Use Owner Occupied

► We approved 7 Unit apartment 25% down payment based off the rental at 1.00 Debt Service. Bank denied because tax returns show lower income and expenses.

Mix Use Owner Occupied

►Closed Transaction Investment with 57% Commercial influence and 2 apts upstairs.

Owner Occupied

Mix Use Owner Occupied

► Customer was selling one property to buy another but did not qualify for the new property WITHOUT selling or renting the old home or counting its payment. We approved and closed the new purchase ignoring the mortgage payment on the other property because it had 25% equity

Mix Use Owner Occupied

► We approved and closed Deli and apartments 35% Down payment . Owner-Occupied Business was not paying rent and Bank Denied. Based loan on market rents only cover PITI only.

More Prior Closings

Owner Occupied

► Closed mortgage with only written verification of employment for employed borrowers with no

pay stubs, W-2's or tax returns with 25% down

Owner Occupied

► Closed mortgage with alimony/child support with only a 1 month history of receipt

Non-Owner

Owner Occupied

Non-Owner

► Closed many transaction based the subject cash flow only with market rents below mortgage payments.

Non-Owner

► Property does NOT need a current lease - can use appraiser's market rent estimate. Vacant properties acceptable.

Non-Owner

► Can be titled to an LLC

Exception

Non-Owner

► Please keep in mind that this is only a sampling. The bottom line is that if a borrower has the ability to repay and equity in the property/purchase there are a LOT of options and we will review each situation to figure out the best one for the borrower

Welcome to MortgageDenials.com The 2nd Look Company Quick Yes's & Quick No'

Welcome to MortgageDenials.com The 2nd Look Company Quick Yes's & Quick No'

Types of Mortgage Lending Opportunities

Owner Occupied No Income/No Job Requirements

Unique

No Income Documentation Investors 1-10 Units

50% Down Hard Money

Verification Letter from Employer Only to Verify Income

100% Financing

Specialty Mortgage Lending

Still want to purchase, We can help!

How we can help!!!

Close the deal

Non-Traditional Income Verification Programs

20% Down 1-4 Units or 25% Down 5-10 Units or 35% Mixed-Use to 2,000,000

Owner Occupied No Income Verification

Condominium Options

Foreign National

Owner Occupied Asset Program

Owner Occupied Bridge Qualifier

Lease Option

Non-Owner Occupied No Income/ No Documentation

100% Financing

Low credit score Lending

Sample Prior Closings

Owner Occupied

Apartment House

Owner Occupied

Owner Occupied

Apartment House

Owner Occupied

Apartment House

Apartment House

Mix Use Owner Occupied

Mix Use Owner Occupied

Mix Use Owner Occupied

Mix Use Owner Occupied

Owner Occupied

Mix Use Owner Occupied

Mix Use Owner Occupied

Mix Use Owner Occupied

Mix Use Owner Occupied

Mix Use Owner Occupied

More Prior Closings

Owner Occupied

Owner Occupied

Owner Occupied

Owner Occupied

Owner Occupied

Owner Occupied

Non-Owner

Owner Occupied

Non-Owner

Non-Owner

Non-Owner

Non-Owner

Non-Owner

Non-Owner

Non-Owner

Exception

Non-Owner

Non-Owner

Better yet, visit us in person!

Hours

Get a Pre-Approval!

Contact Us

LET US KNOW THE BEST WAY TO REACH YOU

Better yet, see us in person!

US Home Capital LLC NMLS# 500107

Hours Of Operation

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