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Dian Hemer
Barry Stone
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Our "A Minus"
department specializes in selecting the "best-fit" financing
package for "challenged" borrowers. The term "A Minus"
refers to the grade of the loan application. It refers to the level of
conformity to generally accepted underwriting guidelines. These levels
range from "A Minus Paper" to "D Paper".
Whether
you have Collection Accounts, Judgments, Open or Discharged Bankruptcy;
even if you are in Foreclosure, there is a mortgage program to fit your
needs. We have a large menu of loan programs to fill the gaps of
conventional financing:
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Open
judgment, liens, bankruptcies in the last two years
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Delinquent
credit solutions - 90 day plus lates on credit cards, installment
loans, & mortgages
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OPEN
chapter 13 & bankruptcy buy-outs
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Low
credit (FICO) scores
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Relaxed,
common sense credit guidelines
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High
debt ratios - 55% to 60% of qualifying income
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No
tax impound account
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No
mortgage insurance
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Loan
to value's to 100% - purchase & refinances
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Secondary
financing: 80% 1st deed with a 2nd deed up to
35% to include the payoff of personal debts.
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Manufactured
housing to 85% loan to value
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Blanket
Loans - up to five properties
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Single
family residence (SFR) property zoned commercial
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Income
producing and mixed use property
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Loan
Library 
