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

EDUARDO RAMIREZ MORTGAGE LOAN OFFICER - CA - MN

  • Primary and second homes
  • Loan amounts up to $1.5 million
  • Minimum credit score 500 (75% Loan-To-Value, LTV)
  • Maximum 85% LTV with NO Mortgage Insurance, MI
  • Recent credit events OK
  • Investment properties OK
  • 30-year fixed, 5/1 and 7/1 ARMS available .
Non-Prime Loan Program Mix:*

1 - FHA Loans - Hipotecas de FHA

  • Up to $1.5 million:

​           FICO down to 500: 70% LTV

           FICO down to 580: 80% LTV

  • ​​Up to $1 million:

           FICO down to 580: 80% LTV

  • ​​Up to $500k Cash-Out
           FICO down to 500: 65% LTV
Self-employed:

2 - conventional Loans

     Hipotecas convencionales

* Non-Prime product requirements vary depending on the consumer's credit grade, Loan-to-Value, Debt-to-Income, and FICO scores, and may require reserves from 3 to 6 months. Ask Eduardo for additional details and requirements.

purchase, Refinance and Cash out

PURCHASE AND REFINANCE LOAN DETAILS

non-prime loan Programs

CLick and read about:

Bank Statements now accepted to verify income in place of IRS Tax Documentes
  • Up to $1.5 Million, FICO down to 640, 70% LTV
  • Up to $1 Million, FICO down to 620, 75% LT
  • UP to $500K with Cash-Out, FICO down to 640, 70% LTV

6 - Adjustable-Rate Mortgage Loans 

    Hipotecas de tasa de interes ajustable

Investment Properties
  • 24 months of bank statements are required
  • Multiple bank accounts may be used, but a combination of business and personal accounts is prohibited
  • ​Exclusively for self-employed borrowers
  • Primary, second, and investment homes
  • Purchase and refinance loans

7 - Commercial Loans
     Hipotecas comerciales

5 - jumbo loans - Hipotecas Grandes

4 - Reverse Mortgage loans       

     Hipotecas de Reverso       

3 - VA Loans - Hipotecas Para Veteranos