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Specialized Mortgages

Specialized mortgages can be a great option for customers who want to get a mortgage that is tailored specifically to their needs.

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DSCR Loan

As a real estate investor, you can dodge high rates and high points of private loans, lengthy approval processes, and stringent lending criteria with a debt service coverage ratio loan.
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Non-Qualified
Mortgage

If your income or credit history falls outside the strict guidelines set by traditional mortgage loan programs, a non-QM loan may be worth considering.
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Reverse Mortgage

A reverse mortgage is a loan a homeowner aged 62+ with home equity can borrow against the home's value and receive funds for daily expenses.
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1099 Mortgage

1099 Mortgage loans allow you to ensure a mortgage without the documentation you usually use to verify your income, such as W-2s and tax returns. Instead, workers qualify based upon the the 1-2 years of 1099's.
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Asset-Based
Mortgage

An asset-based mortgage produces an ‘income stream’ from your assets by depleting them over the mortgage term. It’s how you qualify despite not having a traditional income.
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ESCROW Holdback

An escrow holdback is an act of collecting additional funds at closing that will be refunded after required repairs have been made to the purchased property.
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ITIN Mortgage

Individual Tax Identification Number (ITIN) loans are for borrowers who do not have Social Security numbers. Borrowers with ITIN cards can qualify for a mortgage if they meet the eligibility requirements.
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Bank Statement
Loans

A bank statement loan is often an excellent option for qualified self-employed borrowers. However, self-employed borrowers must choose the best loan product to help fulfill their mortgage needs.
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This offer made by US Mortgage Lenders, LLC, NMLS # 1108258, 3440 Hollywood Blvd, Hollywood, FL 33021, which is not affiliated with your current lender, nor is it a federal government agency or a government form. This is not a credit decision or a commitment to lend.

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.

THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.

Disclosure:
The content provided within this website is presented for information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. Other restrictions may apply. Mortgage loans may be arranged through third party providers.
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