NO CREDIT SCORE LOAN PROGRAM
* Full DOC, Lite Doc, and Stated income
* Wage earners O.K.
* 80% LTV
* Seller carry seconds up to 100% LTV
* Gift funds O.K.

Sub-Prime Loan Programs
* Self-employed for 1 year or more 95% loan program
* COLLECTION < JUDGEMENTS < DIVORCE O.K.
* Seller carry backs (second lien) - Gifts allowed
* 24 months bank statement, priced as full doc, no tax returns
* Down payment can be borrowed
* CHAPTER 7 BANKRUPTCY O.K.

100% NO MONEY DOWN PROGRAMS
* 103% Full Doc w/600 score
* 100% w/12 month bank statement personal or business
* 100% stated Income w/650 Self-employed or W-2
* 100% Stated/Stated one loan
* 100% Full Doc w/580 score
* 100% First Time Home buyer program

STATED INCOME LOAN PROGRAMS
* 100% Stated income w/680 score and above
* 95% Stated income w/650 score
* stated income program w/550 scores

FHA GOVERNMENT LOANS
* First time home buyer programs
* Down payment assistance programs
* Affordable Housing Programs
* GOOD CREDIT< BAD CREDIT < NO CREDIT O.K.

INVESTMENT PROPERTY LOANS
* 95% LTV for Non-owner Occupied properties
* Loans up to $million
* Interest only products available

1% Cost Program - Purchase Only
* Gift Funds for Down Payment and Closing Costs
* Up to 4% of Contract Sales Price of participating home
* Buyers costs approximately 1% towards purchase

VA Loan Program
* 0% Down
* 40% Debt Ratios
* Seller can pay Closing Costs and Pre-Paid's
* Gifts allowed
* 30 and 15 tear fixed interest rates

90% Loan Program - No M.I.
*Conventional Loan Program
* No Mortgage Insurance
* Seller can pay Closing Costs and Pre-Paid's
* 30 and 15 tear fixed interest rates
* 10% Down

80-10-10 Loan Program - No M.I.
* Conventional Loan Program
* No Mortgage Insurance
* 80% first lien on 30 or 15 year fixed rate
* 10% second lien on 15 year fixed 10% down

80-15-5 Loan Program - No M.I.
* Conventional Loan Program
* No Mortgage Insurance
* 80% first lien on 30 or 15 year fixed rate
* 15% second lien on 15 year fixed 5% down

95% Loan Programs
* Conventional Loan Program
* 5% down
* Seller contribution up to 3% allowed
* 28/36 debt ratios
* 30 year - 15 year - ARM programs available

97% Loan Programs
* Conventional Loan Program
* 3% Down
* Seller contribution up to 3% allowed
* 33/41 debt ratios
* 30 - 15 - ARM programs available