Conventional, Conventional ProgramsJumbo, Reverse, Government ProgramsFHAVA, USDA, Non-Prime Programs, and Commercial Mortgages.​  NMLS 1086161 CalBRE 01393110

EDUARDO RAMIREZ MORTGAGE LOAN OFFICER - CA - MN

2 - conventional Loans

     Hipotecas convencionales

fha streamline - Non Credit Qualifying*** loan program

1 - FHA Loans - Hipotecas de FHA

7 - Commercial Loans
     Hipotecas comerciales

  • No minimum FICO required if no late payments in past 12 months
  • No appraisal required
  • No Income documentation required
  • Must have a current FHA loan to be eligible
  • Reduced documentation compared to standard FHA loans
  • Mortgage history:

           1 x 30 days late past 12 months

           0 x 30 days late past 6 months since case # assigned.

  • ​Credit qualifying loan program available, ask Loan Officer to check Lender's website for details.
  • Manufactured housing program types may be eligible ****
  • 100% Financing
  • 500 Minimum FICO
  • 100% Maximum LTV*
  • 10, 15, 20, 25, and 30-year fixed
  • ​Gift allowed**

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3 - VA Loans - Hipotecas Para Veteranos

6 - Adjustable-Rate Mortgage Loans 

    Hipotecas de tasa de interes ajustable

Excludes VA Funding Fee.  ** Gift funds may not be used for reserve.  ***  FHA Streamline refinance non credit qualifying program requires a tri-merge credit report reflecting only the FICO score and a 12-month mortgage history.  Closing cost may not be finance into a non-credit qualifying refinance.         Verbal verification of income source is required.  **** Check with Loan Officer for approved property types.

va purchase loan program

  • No restrictions on gift funds
  • Ginnie Mae Direct Seller Servicer
  • Min 500 Fair-Isaac-Company (FICO)
  • Up to 90% LTV
  • Programs: 10, 15, 20, 25, and 30-year fixed
  • Minimum 550 FICO
  • No down payment requirement for qualified borrowers
  • No cash reserves requirements
  • Seller can pay closing cost (some restrictions apply.  Contact Eduardo for details.

5 - jumbo loans - Hipotecas Grandes

4 - Reverse Mortgage loans       

     Hipotecas de Reverso       

usda purchase loan program

FHa purchase loan Program