That’s what we do
We would like
To HELP YOU
*RESIDENTIAL PURCHASE PROGRAMS*
100% LTV – VA
100% LTV – FmHA Rural
100% CLTV – 80/20 or 80/10/10
97% LTV – FHA & 203K
97% LTV – CHB 40/40 ratios
95% LTV – FNMA/FHLMC
95% LTV – No Income, No Ratio, No Asset
95% LTV – Jumbo 2 Million
95% LTV 0 Double Wide
95% LTV – Self-employed 60/65 ratios
95% CLTV – Recent BK Discharge
90% LTV – Vacation Home
90% LTV – Investor 1-4 Units
90% CLTV – Lot financing
90% CLTV – Previous Poor Credit
90% LTV – Construction/Perm
85% LTV – No Income Verification
80% LTV – Single Wide
SEND US YOUR FALLOUT!!!
WHO ARE WE?
A Licensed FULL
SERVICE Mortgage Broker
Karsos, President, (410) 825-8091
1-800-250-4441 Fax: (410) 825-8129
Email address: Nationsmg@aol.com
I look forward
to serving YOU!
Key Bank Mortgage Solutions
AND TRUST A competitive Line of residential
products and services
First Time Home Buyers Programs
3% down payment plus closing costs
FHA Insured & VA Guaranteed Loans
Community Development Administration Loans—low
Baltimore City, County, and State Settlement Expense
No Documentation and Low Documentation Loan Programs
Low as 95% loan to value
Minimal or no income and no asset verification loan
Full Range of Conventional Products
Terms of 15, 20 & 30 Years, and years in between
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
Not so perfect credit, including recent bankruptcy
100% loan to value, up to $252,700
80/15/5 (75% loan to value 1st mortgage,
15% second and 5% down payment)
10% down payment
1-4 family dwellings
Equity and Bridge Loans
CLTV’s @ 80%, 100%, and 115%
FHA/203K Rehab Loans
Conforming and Jumbo Programs available
In-house underwriting on all FHA and VA Loans—LAPP
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:
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
1st Certified Husband/Wife
Team in the State
2 of the 386 Nationally
(410) 329-2604 800/208-2190
MORTGAGE LENDER THAT:
WILL GET YOU EXACTLY WHAT YOU QUALIFY TO
CAN GIVE YOU A LOAN APPROVAL IN 48 TO 72
(It’s a Seller’s market and Sellers
PREFER a contract with an approval
buyer over one with a pre-qualification
HAS GREAT RATES FOR PURCHASE &
IS A LOCAL LENDER, WITH OVER 70 YEARS
*FREE CREDIT REPORT WHEN YOU MENTION THIS
Call me for a
Frank A. Harris
MORTGAGE LOAN OFFICER
Office: 410-825-8415 ext.4
Toll Free: 1-888-369-9464
Voice Mail Pager:
WE CAN GET THEM
REGARDLESS OF THEIR CREDIT
GET THEM INTO A 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:
Conventional loans with some of the lowest
"No Questions Asked" Loans
100% loans for up to $350,000 with no PMI
TALK TO SOMEONE WITH INTEGRITY
BRIAN SACHS Ÿ
CALL US TODAY—WE’LL HELP
YOU GET YOUR CLIENT
INTO THE HOME THEY’VE
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
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?
NOT ALL LENDERS ARE THE SAME.
(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
WITH KEYSTONE’S 110%
*No Down Payment
* No MI!!*
*Up to 6% Seller
*100% to 750K*
LET US QUALIFY YOUR
First Keystone F.S.B.
Call Tim Boteler
the rate increases….Lock in your buyer.
HA/VA 30 Year
7.25% 1 + 1
SELP Grant money up to $5,000 is still
Borrower only needs 1% total contribution
Columbia National Inc.
Master Servicer for CDA
Larry S. McMillan
410.768-9408 ext. 226 (Office)
800.365.6751 ext. 226 (Office)
Also…103% LTV…Buyers only need $350…rates
as low as 7.50%…
Call for details
AllyMac Purchase Assistance
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 1st 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
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:
410.902.4660 / cell
Buying a Home is Made Simple with
choose a new home, take advantage of the
Services our clients receive:
Advice on how to choose the right home!
Sales Contract even before you sign!
Mortgage Loan tailored to your specific needs!
Open line of
Communication between Lender and Realtors!
Quick and Easy
Service every step of the way!
Funding Corporation Makes Home Ownership Easy!
includes a Custom Tailored Mortgage:
Little or No
or retirement income okay!
Properties and Vacation Homes okay!
Homes, Log Homes, Farms okay!
History? – We can get you into a Home!
MAKE YOUR HOME PURCHASE LESS
AND MORE REWARDING!
16 S. Calvert
Street, #1000 Ÿ Baltimore, MD 21202
WORTHINGTON MORTGAGE GROUP, LLC
Check our web site at www.worthmort.com
103% FIXED FOR
100% of the purchase price plus up to 3%
of the closing costs, financed mortgage
premiums, and prepaids. Loans
up to $300,000 3% Seller Contribution. Middle
Credit Store 700.
9 3/8% 1 Point