Nontraditional Lending

Annette Bui| Updated January 28, 2019 | Mortgage Programs 101

Did you know the advantages of local brokers and direct lenders? Most families looking for a home loan traditionally go to their local bank, primary lending institution, or big named lenders they are most familiar with. Oftentimes the comfort of these big named brands, the overhead costs of brick and mortar businesses mean they are limited qualifying options. Many savvy borrowers are now taking advantage of benefits that brokers can offer. Outside the box solutions from loan options with no tax returns, shorter bankruptcy seasoning or cash reserves to show cash flow for qualifying purposes.

Programs may include:

No tax returns.

Owner occupied, vacation or investment homes.

2 year waiting period for bankruptcies, foreclosure, short sale.

Loans up to $2.5 million

12 months business or personal bank statements.

90% loan to value no mortgage insurance.

Interest only, 40- year programs offered.

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My Dream is to advocate for your family: I take a personalized consultative approach to helping you get approved faster in the mortgage shopping process, offer a more streamlined process, generating solutions that are useful to consumers to build confidence in the mortgage shopping process. My personal goal is to find new and innovative ways to help families identify their mortgage based upon current market trends, personal need, client oriented approach to help families thrive and improve their most valuable investment. I see myself as a personal mortgage Guru, here to offer helpful information, better ways to save. Developing unique tools, investment strategies that revolve around your personal needs in a mortgage. As your personal mortgage guru, I can provide a customized approach to help guide you through the qualifying process, credit improvement, tips and tricks to gain the extra savings on your loan. My knowledge and support is all referral based and it is...

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