That’s what we do BEST

SEND US YOUR FALLOUT!!!

A Licensed FULL SERVICE Mortgage Broker

AND TRUST A competitive Line of residential mortgage

products and services

First Time Home Buyers Programs

3% down payment plus closing costs

FHA Insured & VA Guaranteed Loans

Community Development Administration Loans—low interest rates

Baltimore City, County, and State Settlement Expense Loan Program

No Documentation and Low Documentation Loan Programs

Low as 95% loan to value

Minimal or no income and no asset verification loan programs

Full Range of Conventional Products

Terms of 15, 20 & 30 Years, and years in between

Fixed Rates

Adjustable Rates, such as: 1/1, 3/1, 3/3, 5/1, 7/1 & 10/1 ARM Programs

Balloon Mortgages, such as 5/25 and 7/23

Full Range of Jumbo Products

Specialized Programs such as:

10% down payment with loan amounts up to $500,000

30% down payment with loan amounts up to $1,000,000

All products mentioned above under conventional products

Unconventional Products

Not so perfect credit, including recent bankruptcy

Unverifiable assets

Self-employed borrowers

100% loan to value, up to $252,700

80/15/5 (75% loan to value 1^st mortgage, 15% second and 5% down payment)

Investor Loans

10% down payment

1-4 family dwellings

Equity and Bridge Loans

CLTV’s @ 80%, 100%, and 115%

Construction/Permanent Loans

FHA/203K Rehab Loans

Conforming and Jumbo Programs available

Refinance/Rehabilitation Loans

In-house underwriting on all FHA and VA Loans—LAPP approved

Processing of loans performed locally

Extended locks and float downs on some programs

NO LAST MINUTE SURPRISES! LEY MY 18 YEARS OF EXPERIENCE WORK FOR YOU!!

FOR MORE INFORMATION, PLEASE CALL:

SAUNDRA NORTHINGTON

Sr. Residential Lending Officer

9-D Gwynns Mill Court

Owings Mills, MD 21117

Office (410) 581-9434 ext. 411

FAX: (410) 581-4875 www.keyb-t.com

 

When You Need

The BEST Available

 

125% PRIMARY HOMES

100% Sub-Prime Primary

85% Second Homes

85% Investor Properties

85% Primary (conforming)

Sandy or Charlie Morris, CRMS

1^st Certified Husband/Wife Team in the State

2 of the 386 Nationally

 

(410) 329-2604 800/208-2190

E-mail: csm@dmv.com

CHOOSE A MORTGAGE LENDER THAT:

 

WILL GET YOU EXACTLY WHAT YOU QUALIFY TO BUY

CAN GIVE YOU A LOAN APPROVAL IN 48 TO 72 HOURS

 

(It’s a Seller’s market and Sellers PREFER a contract with an approval

buyer over one with a pre-qualification or pre-approval)

 

HAS GREAT RATES FOR PURCHASE & REFINANCE MONEY

 

IS A LOCAL LENDER, WITH OVER 70 YEARS EXPERIENCE

 

 

*FREE CREDIT REPORT WHEN YOU MENTION THIS AD*

 

Call me for a confidential consultation:

 

Frank A. Harris III

MORTGAGE LOAN OFFICER

Office: 410-825-8415 ext.4

Toll Free: 1-888-369-9464 ext. 4

Voice Mail Pager: 301-913-1290

 

WE CAN GET THEM "MORTGAGE READY"

REGARDLESS OF THEIR CREDIT HISTORY, AND

GET THEM INTO A HOME TOMORROW.

 

Integrity Home Funding has worked hard to develop a special 

niche for those who have had bankruptcies within the last 1 to 2 years.

Integrity has programs for every homebuyer too:

VA Loans

FHA Loans

Conventional loans with some of the lowest interest 

rates available

"No Questions Asked" Loans

100% loans for up to $350,000 with no PMI

TALK TO SOMEONE WITH INTEGRITY

BRIAN SACHS Ÿ 410-356-5353

 

CALL US TODAY—WE’LL HELP YOU GET YOUR CLIENT

 INTO THE HOME THEY’VE ALWAYS WANTED

APPROVED

COME TO THE LENDER

WHO WON’T LET YOU DOWN

 

The "REALTOR ADVANTAGE". By working with an experienced lender you can be assured

 that your borrowers will get top priority. O pre-screen your clients to see if they can be approved,

 and what this simply means to you is that every loan application submitted to underwriting will get 

approved. I can say this with such confidence because I have a 100% approval rating. I get

 the deal done! CAN YOUR LENDER SAY THAT?

 

The "BORROWER ADVANTAGE". Your advantage to working with me is simple – 

I have an unmatched record to making borrowers into homebuyers, You will know from the 

very beginning that your loan will get approved if you work with me. CAN YOUR OTHER

 MORTGAGE COMPANY BEAT THAT?

 

DON’T BE FOOLED!

NOT ALL LENDERS ARE THE SAME.

MARTY MAURICE

(888) 816-2977 EXT 217

Capitol Mortgage Bankers, Inc.

Offices in MD, DE, VA, PENN, NJ, and FL.

Page me at (888) 834-0136

ADD MUSCLE TO YOUR PROGRAMS?

 

WITH KEYSTONE’S 110% LOANS

 

*Renters to 110%*

*No Down Payment Required!!*

* No MI!!*

*Up to 6% Seller Contributions!!*

*100% to 750K*

*24 Hour Underwriting!!*

 

LET US QUALIFY YOUR BORROWER TODAY!!

First Keystone F.S.B.

Call Tim Boteler (ext.207) 

1-800-974-9881 Fax 301-459-8672

 

CDA….Still Available!

Before the rate increases….Lock in your buyer.

HA/VA 30 Year Fixed

 

7.25% 1 + 1

 

SELP Grant money up to $5,000 is still available

Borrower only needs 1% total contribution

 

Columbia National Inc.

Master Servicer for CDA

 

CDA Expert

Loan Officer

Larry S. McMillan

410.768-9408 ext. 226 (Office)

800.365.6751 ext. 226 (Office)

800.204.1009 (Pager)

Also…103% LTV…Buyers only need $350…rates as low as 7.50%…

Call for details

 

AllyMac Purchase Assistance Purchase

 

Your buyers can purchase a home 

with as little as $500 down payment!

 

97% loan to value ($500 from borrower(s) funds). Conforming fixed rate only.

AllyMac installment loan to finance the remaining down payment, closing costs and prepaids. 

(installment loan has a 15 year term w/ a fixed rate of 2% above the first mortgage rate,

 no prepayment penalty, 

up to $10,200. Borrower(s) must qualify and accept AllyMac 1^st mortgage.

First-time Homebuyers and limited to purchase transaction of single family homes.

Available for properties in BALTIMORE CITY.

Seller can contribute up to 6% plus half of transfer fees.

Combined qualifying income limited to $63, 120***

No income limits to qualify for a property in AllyMac LMI census tracts)

Comprehensive Homebuyer counseling in the form of one-on-one or classroom sessions

 provided by an approved community group.All borrowers must occupy the property 

and provide last three years Federal Tax Returns. Alternative credit allowed.

Any bankruptcy must have been discharged three years prior to the mortgage application 

and the borrower(s) re-established credit must be excellent. No reserve requirements.

Qualifying ratios of 33/38.

For More Information Contact:

 

Ronnie Marshall

410.902.4660 / cell 410.935.3459

email: marshall@allymac.com

HOMEBUYERS

ASSISTANCE PROGRAM

Buying a Home is Made Simple with

America One Funding Corporation

 

Before you choose a new home, take advantage of the

 Superior Services our clients receive:

Educated Advice on how to choose the right home!

Review of Sales Contract even before you sign!

Pre-approved Mortgage Loan tailored to your specific needs!

Open line of Communication between Lender and Realtors!

Quick and Easy Settlement Process!

Superior Service every step of the way!

America One Funding Corporation Makes Home Ownership Easy!

Superior Service includes a Custom Tailored Mortgage:

Little or No Money Down!

Self-employed or retirement income okay!

Investment Properties and Vacation Homes okay!

New Construction okay!

Mobile Homes, Log Homes, Farms okay!

Bad Credit History? – We can get you into a Home!

CALL TODAY! MAKE YOUR HOME PURCHASE LESS

 CONFUSING AND MORE REWARDING!

America One Funding Corporation

Attention Melody Knight

16 S. Calvert Street, #1000 Ÿ Baltimore, MD 21202

Phone 410-234-1911

Toll Free 888-349-9002

Fax 410-234-1914

Ilene Goldberg’s

WORTHINGTON MORTGAGE GROUP, LLC

Check our web site at www.worthmort.com

103% FIXED FOR PURCHASES

100% of the purchase price plus up to 3% of the closing costs, financed mortgage  insurance

 premiums, and prepaids. Loans up to $300,000 3% Seller Contribution. Middle Credit Store 700.

9 3/8% 1 Point