creative financing

The fastest growing sector in mortgage financing this year has been creative alternative & niche programs. This has been a boon for self-employed borrowers who traditionally have had difficulty qualifying with traditional methods. Here’s a sample of some of the easy options:

  • Qualify on Assets, Not Income: Borrowers may qualify by having assets greater than the loan amount after the close of escrow
  • Qualify on Cash Flow using deposits on Bank Statements instead of tax returns
  • Qualify on Rental Income of Subject Property when buying or refinancing
  • Qualify based on a Profit & Loss Statement
  • Features: (May vary based on credit scores and other factors)
    • Up To 90% of Value or Purchase Price
    • Multiple Options – Fixed & Adjustable
    • Interest-Only Available
    • Higher Debt-To-Income Ratios

Give us a call to learn how you or your clients may benefit from the vast array of creative solutions to financing their home purchase or refinance.

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Contact Us

Tel: (949) 290-8582
Toll Free: (866) 389-2778
1000 N. Coast Highway, #10
Laguna Beach, CA 92651
Hours: M-F 8am to 5pm Hawaii Time

Buying a home in Hawaii? Visit our affiliate lender Pacific Home Loans.