Primary Residence & Second Home Minimum 680 Credit Score

If you need to buy a house or refinance and are not able to provide sufficient income using your paystubs, W2’s, tax returns, bank statements, SSI, pension income or lack of income then we have the right program for you. It’s the true no doc mortgage. The minimum credit score is 680 and you can buy a house, take cash out or a rate & term refinance.

30 Year Fixed Rate

A 30 year fixed mortgage is possibly the most common type of mortgage loan. It has several characteristics that make it such a popular choice when financing a home purchase.  One of the key features of a 30 year fixed mortgage is its fixed interest rate. If you are able to lock a great interest rate when getting the mortgage, you are set. That is the rate for the next 30 years, assuming that you own the house that long.  Another attractive characteristic of a 30 year fixed mortgage is its relatively low monthly payment. Since repayment of the loan is stretched out over 30 years, that keeps the monthly payment from getting too high.