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Stop procrastinating. Get pre-approved today even with less than perfect credit!

September 5, 2013

• Conventional No max DTI w/DU approve/eligible – With compensating factors and underwriter approval

• Conventional Owner Occ Purchase / Rate & Term with NO MI Up to 97% LTV (LPMI with higher rate)

• Conventional Owner Occ Purchase / Rate & Term 620-699 Fico Up to 95% and 700 Fico Up to 97% LTV,

• Conventional Owner Occ Purchase / Rate & Term High Balance 620-659 Fico Up to 75% LTV, 660-699 Up to 80% LTV and 700+ Up to 90% LTV and 2-4 Units 620+ Up to 65% LTV

• Conventional High Balance Up to 60% with 620+ Fico

• FHA with 640 fico and CDHAP 2nd to 99.5% LTV – First time homebuyers only – $1000-$1500 down of own funds – 31/43% Max DTI – See income limits and max purchase price per county http://www.calhfa.ca.gov/

• FHA Up to 46.99/56.99% DTI with a DU/LP approval!

• Flip properties now acceptable on FHA loans with less than 90 days and over 20% increase!

• FHA High Balance Purchase starting with 500+ Fico!!

• Check out our FHA High Balance pricing!!!

• FHA $100 down HUD REO purchase

• FHA max cash out up to 85% LTV

• FHA Standard & High Balance Streamline Up to 97.75%/125% CLTV – No income and No Appraisal

• FHA 203k Streamline Purchase and Refinance Up to 35K in repairs!!!

• FHA Short Payoff Refi Up to 70% LTV – 640+ Fico

• USDA Up to 100% – Low MI and No Money Down – 29/41% DTI – 640 FICO and 1×30 mtg/rent OK – no reserves required

• DU Refi Plus Unlimited LTV for Owner Occ and 110% for Non Owner Occ properties – Up to 55% DTI – 0x30x6 and 2x30x12 ok – check to see if your home is owned by Fannie Mae http://www.fanniemae.com/loanlookup//

• Freddie LP refi Plus Unlimited LTV for Owner Occ LTV and 110% for Non Owner Occ properties – Up to 55% DTI – 0x30x6 and 2x30x12 ok – check to see if your home is owned by Freddie Mac https://ww3.freddiemac.com/corporate/

• Jumbo loans Up to $2 Million – 80% LTV to $1 mill and 70% up to $2 mill.  720 Fico required with 6 mths reserves for all rental properties (may have 4 financed properties).  Max cash out $400k Up to 70% LTV to $1.5 mill.

• No required trade line requirement on conventional with AU and UW’s approval!!!!

• Homepath – No MI and No Appraisal – Up to 97% LTV – Investors Dream Loan – 620-659 Fico Up to 80% LTV and 660+ to 97% LTV – 2-4 Units max at 75% LTV – Up to 4 financed properties and 50% DTI – 6 mths reserves for all rental properties

• VA Purchase – Up to 100% LTV with No MI – best possible loan program available with 500+ Fico (no derogatory credit in past 12 mths or open collections)

• VA Cash Out Refi – Up to 100% LTV – No Seasoning Required (no derogatory credit in past 12 mths or open collections)

• VA IRRRL Rate Reduction Refi – No Appraisal and No MI (no derogatory credit in past 12 mths or open collections)

• Great FHA pricing, with the ability to go as low as 500 Fico Score! 500-579 Fico 10% down required and 2 mths own reserves – 31/43% Max DTI – No Non-Occupant Co-borrowers

• Non-Owner Cash Out Up to 75% LTV with 660 Fico (not available for High Balance)

• Non-Owner Purchase / Rate Term Up to 80%LTV with 620 Fico

• Non-Owner High Balance Purchase / Rate Term Up to 65% LTV with 660 Fico

• Great 5/1 Arm High Balance pricing & 30 year fixed pricing!

• Financing to borrowers that have up to 10 financed properties!

• Foreign National financing to 65% LTV – with working or school visa and US Funds and NR1040s OK – 35/45% DTI – 680 FICO – 24 mths reserves required – self employed 4 yrs + – Owner Oc and 2nd homes only

•  Non Warrantable Condos – call for details

PMC also offers free credit analysis and credit enhancement.  Together we can boost your scores to get the best home loan available and save you a ton of money for your retirement.

Visit Our Website:   http://www.pmccanhelp.com/

FOR A FAST PRE-APPROVAL: Complete a loan application on our website APPLY ONLINE

Job Opportunities? Now is the time to see how PMC Can Help you earn what you deserve!  Visit our Website and apply online today! http://www.pmccareers.com

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