MortgageDenials.com
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Welcome to MortgageDenials.com

Welcome to MortgageDenials.comWelcome to MortgageDenials.comWelcome to MortgageDenials.com
Click Here And Speak with a lender Today

Welcome to MortgageDenials.com

Welcome to MortgageDenials.comWelcome to MortgageDenials.comWelcome to MortgageDenials.com
Click Here And Speak with a lender Today

Types of Mortgage Lending Opportunities

Owner Occupied No Income/No Job Requirements

Owner Occupied No Income/No Job Requirements

Owner Occupied No Income/No Job Requirements

Know what you qualify for and know in advance how much money you need to close on a home.

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 

Verification Letter from Employer Only to Verify Income

Owner Occupied No Income/No Job Requirements

Owner Occupied No Income/No Job Requirements

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

30% Down Payment  with a Letter from Employer to Verify Income to qualify for a mortgage

No Income Documentation Investors 1-4 Units

Owner Occupied No Income/No Job Requirements

3.5 % Down Payment 580 Scores 1st Time Buyer Ok 1-2 Units

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

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

3.5 % Down Payment 580 Scores 1st Time Buyer Ok 1-2 Units

10% Down Payment with Credit Scores down to 500 Scores 1st Time Buyer OK 1-2 Units

3.5 % Down Payment 580 Scores 1st Time Buyer Ok 1-2 Units

Don't Rent - Buy a Home

Most Transactions qualify on 1-2 Unit Purchases. We assist buyers in improving credit scores to get them qualified for a mortgage.

10% Down Payment with Credit Scores down to 500 Scores 1st Time Buyer OK 1-2 Units

10% Down Payment with Credit Scores down to 500 Scores 1st Time Buyer OK 1-2 Units

10% Down Payment with Credit Scores down to 500 Scores 1st Time Buyer OK 1-2 Units

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

 Most Transactions qualify on 1-2 Unit Purchases. We assist buyers in improving credit scores to get them qualified for a mortgage. 

100% Cash-Out Home Equity Borrow money from 401K for your purchase then payoff.

10% Down Payment with Credit Scores down to 500 Scores 1st Time Buyer OK 1-2 Units

10% Down Payment with Credit Scores down to 500 Scores 1st Time Buyer OK 1-2 Units

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

100% Home Equity. We determine qualification in advance. Eliminate mortgage insurance with 1st Mortgage and Home Equity 2nd 80/10 simultaneous closing.

Specialty Mortgage Lending

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

Still want to purchase, We can help!

Denials, Buyers not getting a pre-approval for what they want then, call Andrey Belinsky NMLS# 1872996 at  908-456-5624  Cell Direct. 

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 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! 

Andrey Belinsky NMLS# 1872996  Call me Today at 908-456-5624 Direct, if you miss me text me.


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

Close the deal

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.

Non-Traditional Income Verification Programs

20% Down 1-4 Units or 25% Down 5-8 Units or Mix-Use Businesses to 1,000,0

No Tax Returns Required

Owner Occupied No Income Verification

20% Down Payment

 ► Income Salaried 1-2 Units 25% Down 

 ► Income Self-Employed 20% Down No Bank Statements to support income required like other programs

Condominium Options

30% Down Payment

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

Foreign National

20% Down Payment

 ► Combination of Income Reported and Asset Depletion 

Owner Occupied Asset Program

20% Down Payment

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

Owner Occupied Bridge Qualifier

30% Down Payment

 ► Qualify based new home purchase only.

Lease Option

20% Equity Required

 ►No Money Down  – Based on Appraisal Equity

Non-Owner Occupied No Income/ No Documentation

30% Down Payment or Equity

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

(Vacant Ok)

3% Down Conventional

3% Down Payment

 ►97% Financing and We pay closing cost to buy and close, if qualify! *Higher Rate Required. 


Owner Occupied Low credit score Lending – Option

3.5% Down Payment 580 Score

1. 3.5% Down Payment  580 Score 

2. 10% Down Payment  to 500 Score 

Low credit score Lending

 

 ►  Recent Short Sales   

 ►  Recent Foreclosures

 ►  Recent Bankrupcies

 ►  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

Apartment House

Apartment House

► 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.

Owner Occupied

Mix Use Owner Occupied

Apartment House

► Foreign National with ITIN number close many transactions with 30% Down.

Owner Occupied

Mix Use 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

Mix Use Owner Occupied

Mix Use Owner Occupied

► 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. 

More Prior Closings

Owner Occupied

Owner Occupied

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

Owner Occupied

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 (no employment needed) as long as the rent exceeds PITI by $1, they qualify.

Non-Owner

Non-Owner

Non-Owner

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

Non-Owner

Non-Owner

Non-Owner

► Can be titled to an LLC

Exception

Non-Owner

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 - whether that's  conventional or  non-traditional!.

Contact Us: Call (908)-456-5624

Better yet, visit us in person!

Ask for Andrey Belinsky (NMLS # 1872996) 

U.S. Home Capital, LLC (NMLS #500107) 

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.) 

Text me if you missed me!

204 Route 18, East Brunswick, NJ 08816, us

Cell: (908)-456-5624 Fax:  (732)-377-8854

Hours

Open today

09:00 am – 09:00 pm

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MortgageDenials.com

204 Route 18, East Brunswick, NJ 08816, us

(908)456-5624

Hours

Open today

09:00 am – 09:00 pm

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