Loan / Lender Matrix as of 1/20/2009 pls make sure we have a broker agreement with lender before loan is submitted
95-100% LTV
Americorp Financial 800-233-1574 Teresa 580 full doc 620 stated ,easy underwriting
Equifirst Chris Bronson 407-230-5458 580 full doc 620 stated
100% Wage Earner W2 Stated Income
The Mortgage Warehouse 888-522-4407 509-892-9014 95% as low as 580 score
Condo Conversions
DCS Wholesale 813-839-5631 fax Karen Conroy
Century Financial Funding Robert Glazer 954-267-9899 fax 954-772-9436
Construction Perm
Natioanl City Mortgage Greg Peele 407-389-3900
Bismark Mtg 800-350-7199
Down Payment Assistance
IFMC Perry Taylor 386-717-2091
National Home 888-4874663
SHIP Seminole County 407-665-7384
SHIP Orange County 407-836-5171
Foreign Nationals and Non-Permanent Resident Aliens (has work permit or visa)
Countrywide 90% ltv NPRA's 75% Foreign Nationals
British Mortgages Abroad 407-396-9914
Hard Money Lenders (really bad credit)
Eastern Savings Bank Terry Fahey 800-787-3684 ltv's up to 75%
Heloc's and Seconds
Trust One 888-508-7878 down to 580 score, 125% at 640, stated to 620
American Home Equity 877-894-9498 behind neg am, 6 mo seasoning, no assets req'd
National City 407-310-0162 89.9% cltv 640 score 95-100% cltv 660 score
Highest Credit Score
Investor Loans
C&G Financial 800-608-5515 100% stated, 95% stated 660, 90% stated 620
Protofund 800-669-5363 95% cltv to 620, 90% stated to 620, Flips ok
Rapid Rehab Funding 303-729-0215 80% of purchase and 80% of flip corp's ,llc's ok
IRA Non-recourse loans (investment properties only)
North American Savings Jason Zook 866-735-6272
Low Credit Scores foreclosure,bankruptcy etc
Yale Mortgage 800-327-9937 no dock hard equity
Eastern Savings Bank Terry Fahey 800-787-3684 sub 500 ok, ltv's up to 75%
Protofund 800-669-5363 80% ltv to 500 score
Miscellaneous Loans
Trust or Corp loans Eastern Savings Bank Terry Fahey 800-787-3684
Flips Protofund 800-669-5363 95% cltv to 620, 90% stated to 620, Flips ok
Mortgage Lates OK
No Appraisal
No Fico and No Tradelines
Lime 877-270-3838 no trades 80% w 500 score 75% stated w/500 score
Master Financial 786-262-9411 95% ltv 100% cltv no tradelines
No Verification of Rent
Lime 877-270-3838 no trades 80% w 500 score 75% stated w/500 score
Owner/Builder Loans owner builds own house
Bismark Mtg 800-350-7199
Payment Option ARMs
Washington Mutual 95% ltv Margie Telley 407-484-1009
Reliance Wholesale Lending 866-420-6343 No Ratio,Stated,No Employment 90% ltv
Reverse Mortgages
Home Nest Egg 800-973-5750 George James 904-725-5750
Wells Fargo 303-441-2001 Tim Granville
Commercial Loans
Commercial Lending,Inc. 407-841-2312 Hard Equity 75% ltv
interest only, 3 lender points, no prepay penalty,no credit or appraisal
Temecula Valley Bank 904-727-7535 SBA's and stated income
Biscayne Capital Group Scott Marchand 561-633-0636 Hard Money Loans
Premier Commercial Jeremy Reichelt 856-667-7775 scores as low as 575-580
All State Commercial Sean Justiniano 954-752-1707 x223 90% ltv stated 600 score
Commercial Mortgage Fund USA Aileen Diamond 516-541-8500 x108 Hard Money
Interbay Funding 866-468-3722 large commercial lender
Mercantile Commercial Capital 407-786-5040 Chris Hurn SBA Loans
CPCF,Inc Willis Kirk 904-268-8196 800-333-9893 x108 Church Loans
BCI Funding 800-807-0840 Church Loans
Pinnacle
Commercial Jim Levie 407-805-0503 90% ltv owner occupied
80% ltv Stated score as low as 600
Ilmarin Financial Services Paul Guaraldi 954-759-4544 95% ltv owner occupied min 33%
PetroMAC 202-748-0230 Gas stations and Convenience stores
Point Center Financial 800-544-8800 large lender