CALL (415) 286-4335 

HOT RATES:

4.125% @ -.125% 5/1 I/O ON HIGH BALANCE $729,750!!

3.875% @ .625% 7/1 ARM – DU REFI PLUS TO 95% !!

4.625% @ .75% 5/1 ARM TO $2,000,000 !!! –ADD .25% FOR I/O

3.625% @ .50% 5/1 ARM CONFORMING - ADD .50% FOR I/0 !!!

NICHES:

· NEW!!! 1 YEAR TAX RETURNS + 4506t = FULL DOC WITH NO ADD-ON’S. AVAILABLE ON CONFORMING AND HIGH BALANCE PROGRAMS!! – RESTRICTIONS APPLY

• 55% DTI ON HIGH BALANCE LOANS!!!

· FHA STREAMLINES NOW AVAILABLE!!!!

• INTEREST ONLY AVAILABLE ON 5/1 HIGH BALANCE!!!!!

• ONLY 51% OWNER OCCUPANCY RATIOS REQUIRED FOR CONDOS!!
• 3 DAY TURN TIMES FOR FHA LOANS!!

· NEXT DAY APPROVALS ON PURCHASE'S!!!

· REFI PLUS TO 105% LTV!!

• 24 HOURS FOR CONDITIONS!!!

• 3 DAY APPROVALS ON REFI’S!!!

• NEW LOAN AMOUNTS TO $729,750 ON HIGH BALANCE PROGRAM!!!!

• INVESTMENT PROPERTIES - REFI PLUS PROGRAMS HAVE NO LIMIT ON PROPERTIES OWNED – MAX LTV IS 95%
• UNLIMITED CASHOUT ON HIGH BALANCE PROGRAM!!
• ABILITY TO CHECK COMPS LEGALLY!!

RATES:

· HIGH BALANCE FICO BONUS- 4.125%@ .50%!! 5/1 ARM I/O - RATIOS TO 55%+ - QUOTE BASED ON 700 SCORE, 60% LTV.

· CONFORMING 5/1 3.625% @ .50%!! – JUST 5K MONTHLY INCOME = $417,000 LOAN AMOUNT

·FHA = 4.50%@ .75%!!

· JUMBO LOANS TO $ 2,000,000!!! BASE RATES START AT 4.625%@ .75%!! ON 5/1 ARM- ADD .25% FOR I/O.

· NEW YORK 30 YR. FIXED CONFORMING = 4.375% @ .625% !!

· CONFORMING REFI PLUS 7/1 3.875% @ .625% TO 95%!!- MAX LTV TO 105%

· CONFORMING REFI PLUS TO 95% 4.375%@ .625%!! WITHOUT MI TO $417,000!!

· REFI PLUS HIGH BALANCE TO 95% 3.875% @ 1.00%!! 5/1 ARM - WITHOUT MI TO $729,750!!***