Bayview-Montalvin Mortgage Loan Program Options
Mission San Jose Mortgage is a Mortgage Broker and correspondent with many wholesale lenders. As a result we are not subject to the overlays imposed by many other lending institutions. Having both the brokering as well as correspondent with many wholesale lenders we provides our clients and business partners with a variety of home loan programs to choose from.
We offer complete mortgage solutions just for you .
Conventional (Conforming Agency): All terms are available, minimum 3 % down payment required, Competitive interest rates, loan amount per county please call for more detail.
FHA: All terms are available, minimum 3.5 % down payment required, Competitive interest rates, loan amount per county please call for more detail.
VA: Guaranteed by the Department of Veterans Affairs: All terms are available, minimum 0 % down payment required, Competitive interest rates, loan amount per county please call for more detail.
United States Department of Agriculture (USDA): USDA rural housing 30-year fixed-rate loan: A true 100% financing option that is available for home purchasing or refinancing in areas defined as being rural as per the maps on the USDA website. Owner-occupied homes only. All terms are available, minimum 0 % down payment required, Competitive interest rates, loan amount per county please call for more detail.
High Balance: All terms are available, minimum 10 % down payment required, Competitive interest rates, loan amount per county please call for more detail.
Non-Agency: Non-Agency Jumbo Fixed-rate: All terms are available, minimum 10 % down payment required, Competitive interest rates, loan amount per county please call for more detail.
Home Affordable Refinance Program (HARP): previously owned Fannie Mae or Freddie mac loan, All terms are available, Competitive interest rates, loan amount per county please call for more detail.
Alternative Income Verification (AIV): Qualify with Bank Statements Only, No Tax Returns! Unseasoned Foreclosure/BK ok Loan Amount – Up to $2,500,000, FICO – 620 call for more detail.
Jumbo Loan 89.9%: 5/1 ARM NO Mortgage insurance, 5/1 ARM has been expanded. 89.9% LTV with NO MI call for more detail.
Hard Money : private loan call for more detail.
Foreign National call for more detail.
Traditional Solutions:
Conventional down to 620 FICO
FHA down to 500 FICO
VA down to 500 FICO
USDA down to 560 FICO
FNMA My Community
Lender Paid Mortgage Insurance Options
DU Refi Plus/HARP unlimited LTV
FHLMC Relief Open Access/HARP unlimited LTV
FHA + VA Streamline Refinancing
Manufactured Home Solutions:
Conventional 5% Down
FHA 30 Year Fixed
Zero Down VA Loan
2nd Lien Solutions:
1st & 2nd Mortgage Piggyback to eliminate PMI Alternative Solution to Jumbo Financing
Builder/Renovation Solutions:
FHA Streamline 203k Rehab
FHA Standard 203k Rehab
FNMA Homestyle Rehab
Jumbo Solutions:
10% down to $850,000 Loan Amount
15% down to $1.5M Loan Amount–No PMI
VA Jumbo up to $1.5M Loan Amount
Fixed & ARM Options
Interest Only Options
Loan Amounts up to $3M
Senior Solutions:
Reverse Mortgage
Niche Solutions:
15% down on Investment Properties
Foreign Nationals
Non-Warrantable Condos
100% Gift Funds Allowed
Properties on Acreage
Unlimited Financed Properties
Non-Occupant Co-Signers Allowed
Property Flips Less Than 90 days Owned
Private money /Hard Money
4 or more finance property cash out solutions.
Alternative income
Many more solutions
