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Loan Programs

96.5% Home Loan

• Affordable 3.5% down payment - all can come from a gift

• Less income required - expanded debt ratios make it easier to qualify

High Ratio Fixed Rate Loans

Allows borrowers with excellent credit but limited income to buy more house

• 50% of your income to be used towards the housing debt when traditional lending guidelines allow about 30% of your gross monthly income to be used towards the housing debt

• Affords the security of a fixed payment

Fixed Rate Mortgages

Is the right option for you if:

• You want the certainty of a fixed principal and interest payment

• Are on a fixed or tight budget
• Believe interest rates will, or may go up
• Plan on staying in the same home for a long term

Adjustable Rate Mortgages

This is the right option for you if:

• You plan on moving or re-financing within 5 years of the mortgage transaction

• Believe interest rates will stay the same or go down

Some of the many benefits of adjustable loans include the following:

• You can save thousands in monthly payments over the first few years

• Your payments are amortized over 30 years
• With the lower interest rates it may be easier for you to qualify for a loan
• The interest rate caps help keep payments within reach, if and when the rate adjusts upward
• The rate is typically limited to a 1% or 2% change in either direction per adjustment, and a maximum of 6% over the life of the loan

Re-Finance, Including Re-Finance with Cash-Out

• Pay off high interest rate credit cards - debt consolidation

• Home improvements
• Have additional interest deductions at tax time
• Get cash for college
• Fixed rate or adjustable rate programs available
• 30, 20, 15, or 10 year terms

Specialty Income and Credit Products

• Self-Employed

• No cost loans
• No asset loans

Jumbo Mortgages

• Jumbo mortgages are categorized as loans in excess of $729,750 for single-family residences

• Available up to 4 million dollars

Investment Property

• 1, 2, 3, or 4 unit properties

Property Types

• Condominiums

• Commercial
• Apartments
• Manufactured housing
• Mixed use property

Multi-Family

• 5+ units

Zero Closing Cost Loans

• All closing costs are paid except pre-paids

• No title costs
• No appraisal cost
• No underwriting fee
• No document preparation fee
• No fees of any kind
• No pre-payment penalty
• Loans for purchase or re-finance
• 15 to 30 year owner occupied, fixed & adjustable rate loans

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1280 S. Victoria Ave. #180, Ventura, Ca. 93003
Phone: 805.650.4999 - Fax: 805.650.4997 - Email: CustomerService@LandmarkLender.com

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