Texas Mortgage Lending

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LOAN PRODUCTS & SERVICES
     No Income Verification Loans
     Imperfect Credit Loans
     Conforming and Jumbo Loans
     Cash Flow ARMS
     ZERO Down Loans
     EZ - Refinance (Streamline)
     Interest Only Loans
     No Doc Loan
 No Income Verification Loans  
No-Income,No-Asset,No-Job Verification loans allow borrowers with acceptable credit to secure a mortgage without proving income, and in some cases assets. This is especially helpful for self employed or commissioned borrowers who write off large deductions to reduce their income tax consequences. They also benefit those who can't or don't want to prove where the down payment and closing costs are coming from. With credit scores above 620, these loans may be secured with as little as a 5% down payment!
 
 Imperfect Credit Loans  
Imperfect credit loans allow borrowers with less-than-perfect credit to qualify for competitive interest rates to buy a home, consolidate debt, lower payments or make home improvements. If you have been turned down by your bank, we may still be able to help you.
 
 Conforming and Jumbo Loans  
Loan amounts for Conforming loans are up to $322,700 for single family homes. For these loans and Jumbo loans, we have many different source of funds with competitive rates, so you can leave the rate shopping to us.
 
 Cash Flow ARMS  
These loans give you the greatest flexibility in managing your monthly mortgage payment, while improving your cash flow. You can choose from fixed payment programs that start at payment rates as low as 1.75% for the first year. These loans also work well for investment properties so you can minimize your monthly payments while you improve the property and need time to increase the rental income.
 
 ZERO Down Loans  
We do many Zero down loans -- these help make it possible for many more people to be homeowners. We even have Zero down programs for borrowers with credit scores as low as 580!
 EZ-Refinance  
The Streamlined Refinance Program is designed for borrowers who want to refinance their loans with their current lender to obtain a lower interest rate or reduce their monthly payment. Special features include…no credit report, no appraisal, no income & no asset verification, and no job verification
 Interest Only Loans  
An "Interest Only" Mortgage loan is a very popular alternative to traditional fixed rates. Gaining popularity at record speed these home loans allow the consumer to pay "interest only" during a defined period of time for the loan. These programs can offer consumers greater purchasing power, increased cash flow and a number of other benefits. For example, one of the most common programs a is a 5 year interest only loan where the borrower has a fixed rate for five years and is only obligated to pay the interest owed every month. This could mean hundreds of dollars in monthly savings, increased purchasing power (since you may qualify on the interest only payment)
 No Doc Loans  
The "No Doc" program is designed specifically for those borrowers with good credit who wish to avoid the documentation or verification of employment, income and assets. Since there is no reference at all to income or assets, no qualifying ratios are calculated.
 

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