1-4 Units Primary Owner-Occupied Purchase Up to 75% LTV to 2MM. Salaried OK. 1st Time Buyers 70%
Refinance Cash-out with No Limitation Cash to 2 MM
30% Down Payment with a Letter from Employer to Verify Income to qualify for a mortgage
20% & 25% Down or Equity 1-8 Unit
Investor mortgage with No Income Documentation at all. Property must debt service. Mortgage payment must equal market rents - Vacant Properties Acceptable 1-4 Units
Most Transactions qualify on 1-2 Unit Purchases. We assist buyers in improving credit scores to get them qualified for a mortgage.
Most Transactions qualify on 1-2 Unit Purchases. We assist buyers in improving credit scores to get them qualified for a mortgage.
100% Home Equity. We determine qualification in advance. Eliminate mortgage insurance with 1st Mortgage and Home Equity 2nd 80/10 simultaneous closing.
Denials, Buyers not getting a pre-approval for what they want then, call Andrey Belinsky NMLS# 1872996 at 908-456-5624 Cell Direct.
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 athough you have a large down payment. You've been told that you don't have enough money for down payment and closing cost.
We can help!
Anthony Pugliese NMLS# 500139 Call me Today at 732-707-1464 Direct, if you miss me text me.
As Direct FNMA/FHLMC Lenders, we can issue you a Pre-approval before you sign a contract. We can issue a full commitment within 48 hours of receipt of the appraisal normally 15 days and close instantly when all parties are ready! The easiest process that you, realtors and attorneys have ever experienced.
No Tax Returns Required
► Income Salaried 1-2 Units 25% Down
► Income Self-Employed 20% Down No Bank Statements to support income required like other programs
► Many options for non-approved condominiums, investor concentration, high developer ownership, lawsuit issues..
► Combination of Income Reported and Asset Depletion
► Asset Based Lending - Assets Exceed Mortgage request with required Reserves Qualification Mortgage
► Qualify based new home purchase only.
►No Money Down – Based on Appraisal Equity
► LTV Based on current market rents and /or projected rents.
(Vacant Ok)
►97% Financing and We pay closing cost to buy and close, if qualify! *Higher Rate Required.
1. 3.5% Down Payment 580 Score
2. 10% Down Payment to 500 Score
► Recent Short Sales
► Recent Foreclosures
► Recent Bankrupcies
► Overall Credit issues
► 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.
► 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.
► 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.
► Foreign National with ITIN number close many transactions with 30% Down.
► 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
► We approved and closed Deli and apartments 25% Down payment . Owner-Occupied Business was not paying rent and Bank Denied. Based loan on market rents only cover PITI only.
► Closed mortgage with only written verification of employment for employed borrowers with no
pay stubs, W-2's or tax returns with 25% down
► Closed mortgage with alimony/child support with only a 1 month history of receipt
► Closed many transaction based the subject cash flow only (no employment needed) as long as the rent exceeds PITI by $1, they qualify.
► Property does NOT need a current lease - can use appraiser's market rent estimate. Vacant properties acceptable.
► Can be titled to an LLC
► 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 - whether that's conventional or non-traditional!.
Anthony Pugliese NMLS# 500139 Call 732-707-1464
U.S. Home Capital, LLC (NMLS #500107)
Office: 732-377-8888
Licensed Mortgage Lender State of New Jersey
Department of Banking & Insurance
Approved FHA Lender - U.S. Dept. of HUD
(U.S. Home Capital, LLC is not a government
entity and is not acting on behalf
of or at the direction of HUD/FHA or the
Federal government.)
204 Route 18, East Brunswick, NJ 08816, us
Cell: 732-707-1464 Anthony Pugliese NMLS# 500139
Open today | 09:00 am – 09:00 pm |
We love our customers, so feel free to visit during normal business hours.
204 Route 18, East Brunswick, NJ 08816, us
Office: 732-377-8888 Cell 732-707-1464 Anthony Pugliese NMLS# 500139
Open today | 09:00 am – 09:00 pm |