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If there is one section of your loan estimate I need you to pay really close attention to, it's PAGE 2 SECTION A! These are your LENDER FEES! Which are 100% negotiable. Typically, this cost should stay anywhere between $1,000 to $1,800. Anything over $1,800 should be a red flag! This might mean your lender is charging you either a discount point or an origination fee in order to give you a specific interest rate. So even though you think your lender is giving you a great interest rate, you might be paying more in lender fees to make up for it. Remember this section when shopping and comparing lenders. This will let you know who is overcharging you!

LOAN PROGRAMS: - INVESTOR LOAN PROGRAM 620 FICO WITH 20% DOWN WITH FLAT RATE 5.75% ....NEW (NO TAX RETURN OR 4506 T OR TRANSCRIPT REQUIRED). VERIFICATION OF EMPLOYMENT (VOE) ONLY 580 FICO WITH 5% DOWN WITH RATE 4.375% WITH VOE (VERIFICATION OF EMPLOYMENT ONLY)....NEW (NO TAX RETURN, W2, PAY STUBS OR 4506 T OR TRANSCRIPT REQUIRED). ONE MONTH BANK STATEMENT PROGRAM UPTO 75% LTV (NO TAX RETURN OR 4506 T OR TRANSCRIPT REQUIRED).... 12 MONTH BANK STATEMENT PROGRAM UPTO 95% LTV with 12 months Personal or business Bank statements (NO TAX RETURN OR 4506 T OR TRANSCRIPT REQUIRED). 2nd STANDALONE LOAN PROGRAM UPTO 85% CLTV WITH FULL DOC OR 12 MONTH BANK STATEMENT. VOE OR W2 OR 1099 ONLY PROGRAM UPTO 75% LTV (NO TAX RETURN OR 4506 T OR TRANSCRIPT REQUIRED). BUSINESS PROFIT & LOSS PROGRAM WITH 25% DOWN, (NO TAX RETURN OR 4506 T OR TRANSCRIPT REQUIRED). FHA WITH 580 FICO WITH 3.5% DOWN. DOWN PAYMENT ASSTANCE PROGRAM WITH 640 FICO ZERO DOWN (Assistance Fund will be used for down payment and closing cost). CONVENTIONAL WITH 3% OR MORE DOWN with or without MI. PRIVATE INVESTOR HARD MONEY LOAN UPTO 75-80% LTV (NO TAX RETURN OR 4506 T OR TRANSCRIPT REQUIRED). FIX N FLIP LOAN UP TO 80% LTV (NO TAX RETURN OR 4506 T OR TRANSCRIPT REQUIRED). LOANS ARE ALSO AVAILABLE FOR PROPERTY WITH NOD AND FOR EVEN AFTER 1 DAY OF BK, FORECLOSURES, AND SHORT SALE. PORTFOLIO 5/1 ARMS TRADITIONAL INCOME DOCUMENTS FROM COUNTRY OF ORIGIN (NO TAX RETURN OR 4506 T OR TRANSCRIPT REQUIRED). ITIN LOAN PROGRAM- WE HAVE A LOAN FOR ITIN BORROWER. 20% DOWN WITH RATE 4.5% WORK PERMIT LOAN- WE HAVE A LOAN FOR WORK PERMIT BORROWER. JUMBO LOAN UPTO 90% LTV. BLAKET PORTFOLIO LOAN- WE PACKAGE THE LOAN FOR 3 OR MORE PROPERTIES. FOREIGN NATIONAL LOAN- 30% DOWN WITH OR WITHOUT US CREDIT (NO TAX RETURN OR 4506 T OR TRANSCRIPT REQUIRED). COMMERCIAL LOAN-5 OR MORE UNITS, OFFICE BUILDING, MIXED USE PROPERTY, RESTAURANT, LIQUOR STORE, GAS STATIONS, HOTELS, MOTELS, CHURCH ETC. See more

Weekly Mortgage Watch - April 18, 2019 30 Year Mortgage Rate increased to 4.17% compared to 4.12% last week. The 30 year rock bottom rate touched in last 10 years is 3.41% 15 Year Mortgage Rate increased to 3.62% compared to 3.60% last week. The 15 year rock bottom rate touched in last 10 years is 2.64% 5/1 Adjustable Rate Mortgage Rate decreased to 3.78% compared to 3.80% last week. The 15 year rock bottom rate touched in last 10 years is 2.60%... Rates are still low. Purchase or Refinance before rates move up further Mortgage applications decreased by 3.5% for the week ended April 17, 2019 Mortgage apps generally move in the inverse direction of rates Rate are still low. If already on a fixed 30 year rate, change to a 15 year fixed loan and cut your term! Share your comments on our Facebook page!