Current Hot Products
- FHA 203(k) Loan - Allows new home buyers to add the cost of
needed renovations and/or upgrades to the selling price. The
appraisal is based on the expected value of the home once the
renovations are complete. This allows you to have one mortgage
and one set of closing costs, get in to a home with little or no
money out-of-pocket, deal with relaxed underwriting guidelines and
have instant equity. I can also finance in up to 6 months of
mortgage payments so you can relax while the work is being
completed. This program is exceptional for bank-owned properties
that generally need some repairs. This program can also be used
on Refinances. - 105 Relief Mortgages - Created under the Homeowner
Affordability and Stability Act (HARP) of 2009. Allows current
homeowners to refinance the current mortgage regardless of Total
Loan to Value and with very limited credit and underwriting
requirements. Also, as long as you are not paying for PMI in your
current mortgage you won't be required to pay for it on your new
one. - Green Housing Loans - Looking to upgrade appliances, add
renewable energy sources, replace your doors/windows with more
energy efficient models, upgrade your insulation or make any other
renovations to help improve your home's efficiency? We have
loans for that! Plus, you may be eligible for a tax credit! - Rural Housing - If your income is at or below the median income
for your county then you may qualify for a rural development loan.
These loans allow you to finance up to 100% of the purchase price
and have no minimum credit score requirement, although you
mustn't have any late payments in the past 12 months or seriously
derogatory accounts in the past 36 months. - Reverse Mortgage - FHA Reverse mortgages are fully insured
by HUD and allow you to retain title to your home while receiving a
tax-free monthly income or lump sum payment or a combination
thereof. No repayment is required until the last borrower moves
out, sells the property or dies. Both borrowers must be 62 or older
but do not have to meet any income guidelines or strict credit
guidelines. - FHA Purchase/Refi - Allows you to purchase a home with as little
as 3.5% down. Generally a credit score no lower then 620 is
required but some lenders will consider down to a 580 with a letter
of explanation. FHA guidelines require that your mortgage
payment not exceed 29% of your gross monthly income and that all
of your monthly debt obligations not exceed 41% of your gross
monthly income. - VA Purchase/Refi - Allows our country's heroes who are military
veterans to purchase a home and finance up to 100% of the
purchase price. Although credit score is not necessarily a deciding
factor for determining eligibility you generally must demonstrate 12
months of solid payment history. - Stated Income/Stated Asset Commercial Loans - No bank
statements required for loans from $150,000 to $1,000,000.
Credit scores down to 640 and "outside of the box" Underwriting. - No Income/No Asset Individual Loans (NINA) - No Income
verification or bank statements needed. Only available to
residents of certain counties in NH. Not available anywhere in ME. - Construction Loans - Ready to build your dream home? We
have construction loans! - Commercial Mortgages - Ready to expand your business, add a
location or refinance a current note? We have commercial loans
available through "hard money" lenders. Hard money lenders lend
their own money and underwrite "outside of the box." We have
lenders offering mortgages of $25,000 up to $100,000,000 on all
types of properties including (but not limited to)
- Retail/Office buildings
- Car Dealerships/Service Stations/Auto Body
- Restaurants/Pubs
- Mixed-use Properties
- Warehouse
- Daycare/Hair Salons/Funeral Homes
- Hotel/Motel
- Bed & Breakfasts
- Recreation
- Churches & Places of Worship
- Land Loans
- Home Equity Lines & Loans - Need to consolidate some high-
interest rate debt? Looking to remodel or just need to get some
cash out of your current home equity? I have home equity lines of
credit and equity loans from one of the nations largest and most
stable lenders!! - Credit Repair Program - We have contracted with a national
credit repair company to help people raise their credit score to the
minimum required to purchase or refinance your home. NEW! - Mobile/Modular Homes - We now have programs for mobile
homes built after June 1976 on a permanent foundation plus
modular, panelized or other factory-built homes meeting state and
local building codes. NEW! - Not Listed or Can't Find What You Need?? E-mail me a
scenario right now and I will get back to you right away!!
 | |  | |  | |  | |  | |  |
| CALL TODAY TO GET PRE-APPROVED!! (207) 571-8270 or (877) 440-2739 |
We provide you with this list of major mortgage products for your research purposes only. Schedule an
appointment with one of our mortgage professionals and we will ask questions about your current
situation and what your financial goals are. Then we will advise you on the course of action that makes
the most sense for your specific financial situation and helps you the most. Our initial mortgage
consultation, credit analysis and mortgage advisory services will cost you nothing if we can not develop
a mortgage plan that makes sense to you. We have no application fees, credit report fees or any other
up-front fees.
appointment with one of our mortgage professionals and we will ask questions about your current
situation and what your financial goals are. Then we will advise you on the course of action that makes
the most sense for your specific financial situation and helps you the most. Our initial mortgage
consultation, credit analysis and mortgage advisory services will cost you nothing if we can not develop
a mortgage plan that makes sense to you. We have no application fees, credit report fees or any other
up-front fees.
Sanford Branch
909B Main Street
Sanford, Maine 04073
(207) 850-1007
(877) 440-2739
909B Main Street
Sanford, Maine 04073
(207) 850-1007
(877) 440-2739