Elixir Of Mortgage Lending
By Arvin Taali
Primary Residence Conventional, FHA, VA, Jumbo Prime, Non-QM, Bank Statement Loans, Stated Income One-Stop-Shop In California/Florida.
Elixir Of Mortgage LendingMay 17, 2022
First day of February 2023 & Current Market Outlook
California/Florida One-Stop-Shop Home Lending Primary Residence.
California/Florida Primary Residence No Ratio Loans No Income Verification However Does Have Reserve Requirements.
Nationwide Non-Owner Occupied Investment Property Financing With No Tax Returns No Income Verification: Fix&Flip, Bridge Loans, Hard Money, Mixed-Use Properties, Mid-Construction & Multi-Family.
#california #florida #primaryresidence #conventionalloans #fhaloans #nonqm #bankstatementloans #alternativeloans #selfemployedhomeloans #statedincome #noratioloans #noincomeverification #nonowneroccupied #investmentpropertylending #fixandflip #longtermrentals #hardmoney #bridgeloans #bre01901050 #nmls1704105 #elixirmortgagelending
FixNFlip No FICO Score States
Nationwide non-owner occupied investment properties 1-4 units with no income verification no FICO score offered in approximately dozen states.
#nationwide #nonowneroccupied #investmentproperty #noincomeverification #fixandflip #fixnflip #fliploans #nmls1704105 #bre01901050 #elixirmortgagelending
California/Florida Owner Occupied Stated Income Loans With No Income Verification
California/Florida One-Stop-Shop Home Lending Primary Residence.
California/Florida Primary Residence No Ratio Loans No Income Verification However Does Have Reserve Requirements.
#nationwide #nonowneroccupied #investmentproperty #dscr #california #californiarealtor #californiarealestate #californiahomes #californiarealtors #californialiving #califlorida #florida #floridahomes #floridarealestate #floridahome #floridamortgage #mortgagelending #nmls1704105 #bre01901050 #elixirmortgagelending
Nationwide Bridge Loan Cash Out Refinance
Nationwide Switch Bridge Loans/Fix & Flip/Hard Money Loans To Longer Term Financing, No Income Verification, Non-Owner Occupied & Investment Properties Cash-Out Refinance Available.
#nationwide #nonowneroccupied #investmentproperty #fixandflip #fixnflip #fliploans #rentalpropertylending #multifamilyinvesting #longtermrentals #california #californiarealtor #californiarealestate #californiahomes #californiarealtors #californialiving #califlorida #florida #floridahomes #floridarealestate #floridahome #floridamortgage #mortgagelending #nmls1704105 #bre01901050 #elixirmortgagelending
Conventional V.S. Alternative Home Loans
California/Florida
As conventional loan rates are rising less folks are qualifying the conventional ways there are alternatives loan programs available which before seemed not as doable due to inferior terms are now closer in line with current market terms. There are more options to qualify than just conventional programs.
#california #californiahomeloans #californiarealestate #florida #floridahomeloans #floridarealestate #conventionalloans #statedincome #hardmoney #bailoutloans #secondloans #nonqm #bankstatementloans #homeloans #mortgageloans #mortgagelending #nmls1704105 #bre01901050 #elixirmortgagelending
California/Florida First Time Home Buyers
#firsttimehomebuyers #homeloans #california #californiarealtors #californiarealestate #californiahomes #californialiving #florida #floridahomes #floridarealestate #floridahomes #floridamortgage #mortgagelending #nmls1704105 #elixirmortgagelending
California/Florida 2022 New Confirming Loan Limits
California/Florida One-Stop-Shop Home Lending Primary Residence.
California/Florida Primary Residence Match & Beat Pricing Conventional Loans.
New Loan Limits Up To 715K Conforming Limits With Minimum 5% Down Payment.
#california #californiarealtor #californiarealestate #californiahomes #californiarealtors #californialiving #califlorida #florida #floridahomes #floridarealestate #floridahome #floridamortgage #mortgagelending #nmls1704105 #elixirmortgagelending
California Primary Residence Hard Money
California Primary Residence Hard Money Home Lending With No Income Verification. Bailout Loans Available.
#california #californiarealtors #californiahomes #californiarealestate #californiarealtors #californiaprimary #primaryresidence #hardmoney #bailoutloands #homeloans #bridgeloans #mortgagelending #nmls1704105 #elixirmortgagelending
Fix & Flip Non-Owner-Occupied 1-4 Units Nationwide
Nationwide Fix & Flip Non-Owner Occupied 1-4 Units Investment Properties. Mid Construction Loans. ADU Add On Financing.
#fixandflip #nationwide #nonowneroccupied #investmentproperty #midconstructionloans #adufinancing #rehabloans #californiarealtors #californialiving #califlorida #florida #floridahomes #floridarealestate #floridahome #floridamortgage #mortgagelending #nmls1704105 #elixirmortgagelending
California/Florida Attention To Under Served Home Buyers!
What is the key difference for better pricing/rate on conventional loans 2022?
California/Florida- The key different for better conventional loan pricing is to cover borrowers options on optimal points as pricing does have trigger points. So long as lenders know, understand where these triggers are and convey to borrowers there maybe some room for saving for borrowers.
#conventionalloans #california #californiahomeloans #mortgagelending #florida #floridahomeloans #homeloan #nmls1704105 #elixirmortgagelending
How much loan will I qualify for?
We cover an example for debt to income ratio for a conventional loan as well as self-employed loan based on same loan amount and income. Using model you can calculate how much you can afford approximately for a loan before speaking to a lender. We lend in California & Florida.
#california #californiarealestate #californiarealtors #californiahomes #califlorida #florida #floridarealestate #floridarealtors #floridahomes #mortgagelending #nmls1704105 #elixirmortgagelending
Lenders Funds Drying Up Due To Margin Call
Due to current market place lenders are going on margin call as a result their funds drying up causing cancelation of loans or loan fall outs. Choosing the right money source is important as some lenders despite challenging climate continued to lend. We can help secure a more reliable money source for your financing needs.
Different Mortgage Loan Tiers
Different mortgage loan tiers based on borrowers current circumstance. Borrower of a wider range of different way of producing income can get a mortgage loan.
#elixirmortgagelending #nmls1704105 #mortgagelending #statedincome #bankstatements #nonqm #conventionalloans #jumboloans #fhaloan #valoans #mortgagelending #california #californiahomeloans #florida #floridahomeloans #primaryresidence
Long Term Rental Financing Opportunity
Nationwide Long Term Rental 1-4 & Vacation Rental Financing.
#portfoliolending #longtermrentals #multifamily #vacationrentals #nationwide #nonowneroccupied #investmentproperty #investmentproperties #nmls1704105 #elixirmortgagelending
California/Florida Stated Income Primary Residence
California/Florida Primary Residence State Income With No Income Verification. Stated Income Requires More Down Payment & Reserves Requirements However Does Not Require Tax Returns To Qualify.
#statedincome #primaryresidence #noincomeverification #california #californiarealestate #californiarealtors #californiahomes #califlorida #florida #floridarealestate #floridarealtors #floridahomes #mortgagelending #nmls1704105 #elixirmortgagelending
Nationwide Investor Mortgage Lending Programs Advantage In Current Market
Rates on long term rentals have remained consistently the same despite conventional mortgage rates increasing significantly. While this correction is expected to come soon it’s a great time and opportunity to take advantage of long term rental programs for non- owner occupied investment properties with income verification.
California/Florida One Stop Shop. Nationwide Investment Property.
Cash in your profit in your equity.
Nationwide FixNFlip/Long Term Rentals/Construction Financing.
New Increased Conforming Loan Limits 625K California & Florida
Long Term Rental Financing Nationwide Updates 2021
Nationwide Portfolio Lending
Nationwide Mixed-use Investment Property Financing
Nationwide Long Term Rentals Qualify Using Debt Service Coverage Ratio
California/Florida Jumbo Loan Programs
CA/FL Self-Employed Borrowers Looking For Mortgage
California/Florida Self-Employed Borrowers Seeking A Mortgage Loan Now Have More Options Than Traditional Loans Using Tax Returns.
Mid-Construction/ADU Financing
CA/FL New 2021 Jumbo Loans
2021 Competitive Home Purchase Market In California/Florida
Long Term Rentals New Alternative Solutions 1-4 Units.
Long Term Rental Financing After CORVID-19
Program highlights for investors nationwide and home owner California/Florida
Current Events During COVID-19
Nationwide Investment Property Long/Short Term Rentals Improved Pricing 2020
While no one knows how long home prices will continue to rise however it is more likely than not rents will not be decreasing. With that said investors are now more attracted to long term rentals or short term rentals such as vacation rentals/Airbnb's. Since the start of 2020 we've lowered our rates in the long term rental non-owner occupied no income verification programs also known as NONI. Borrowers with 680+ FICO get rewarded with lower rates on 5 year ARM and 30 years fixed programs. We offer this program in 30 states which borrowers can also add up to 2.5% of closing cost financing with an additional .25% rate hit which allows borrowers to finance up to 82.5% LTV on loans over 150K-1.2M. Borrowers have an option to pay their own escrows or set up impound accounts which is not as common with this type of financing. Borrowers will have 3 years prepayment penalty 3%/3%/3% if they decide to change loan or sell property. This program does not require investment experience on 1-4 unit properties. So long as area rental calculation (1007) covers monthly mortgage and equity requirements are met for down payment this program does not require rental agreement or even a tenant in place so long as property is used for investment purposes. For any reason debt service ratio is less than 1 which means its negative on cash flow every month its .5% additional rate hit however still can be done. Lastly, we cover up to $550 of appraisal cost at closing.
Dez Gerald Certified Home Stager in Charlotte North Carolina & Georgia Area
Dez Gerald is a real estate broker & stager in the Charlotte, North Carolina region with over 15 years experience in her local market her and her sisters have been working with buyers, sellers as well as investors. Her professional experience on the local communities. Dez Gerald CEO/Owner at DI Real Estate & Staging. For more information you can contact her dez@direalestatestaging.com
http://www.direalestatestaging.com/
Join Dez's home buyer & investor groups
www.facebook.com/homebuyerrenterscircle
meetup.com/wholesalers-investors-flippers
#DezGerald #RealEstateBroker #Stager #NorthCarolina #Charlotte #Staging #Investors #Buyers #Sellers #Direalestatestaging #1sttimehomebuyers #Homesellers #Moveupbuyer #ElixirMortgageLending
California/Florida One Stop Shop Home Loans
California/Florida One Stop Shop Home Loans, Jumbo, Conventional, FHA, VA, Reverse Mortgage & Bank Statement Loans. Knowing you have options to getting into a home is important and for many folks its a choice.
Small Business Loans With Jack DeAngelis
Jack DeAngelis on his extensive experience in business for many years in several different industries as well as understanding of what small business owners go through especially in today's environment. You can reach Jack DeAngelis directly at 949.439.7527 or yourbusinesslender@gmail.com
Jack DeAngelis On Business Loans Nationwide
Jack DeAngelis on his extensive experience in business for many years in several different industries as well as understanding of what small business owners go through especially in today's environment. You can reach Jack DeAngelis directly at 949.439.7527 or yourbusinesslender@gmail.com
Dez Gerald of Charlotte, North Carolina Real Estate Broker & Her Professional Experience (Part 1)
Dez Gerald is a real estate broker & stager in the Charlotte, North Carolina region with over 15 years experience in her local market her and her sisters have been working with buyers, sellers as well as investors. Her professional experience on the local communities. Dez Gerald CEO/Owner at DI Real Estate & Staging. For more information you can contact her dez@direalestatestaging.com
http://www.direalestatestaging.com/
Join Dez's home buyer & investor groups
www.facebook.com/homebuyerrenterscircle
meetup.com/wholesalers-investors-flippers
#DezGerald #RealEstateBroker #RealEstate #NorthCarolina #Charlotte #Staging #Investors #Buyers #Sellers #Direalestatestaging #1sttimehomebuyers #Homesellers #Moveupbuyer #ElixirMortgageLending
Bianca Diaz Nationwide Credit Repair Expert
Bianca Diaz advice on how to help restore credit as well as preventative steps to look out for. She can be reached directly at biancathelasvegasrealtor@gmail.com or 786.316.8659 for more information.