Antelope Valley Mortgage became an FHA approved lender in 1987

the SECURE Loan is available now to help borrowers who have an adjustable rate mortgage and the loan is going to adjust up and cause them to become deliquent or they have adjusted and already are behind. the secure loan also helps borrowers who owe more than the property is worth; this requires cooperation of your current lender. FHA will approve a loan for the current value of the home and your current lender would go into second position for the remaining amount owed to them. FHA will allow the total amount owed to exceed the value property if the borrower can qualify. please call for new information as it becomes available from one of our courteous loan officers.

New FHA loan amounts of $729,750 are available certain credit scores are needed for FHA loans in excess of $417,000

FHA Down Payment Assistance www.getdownpayment.com  www.ameridream.org

non approved FHA Brokers we can help you; contact Ging McIntyre 661 949 0069 ext 20

FHA Secure Loan: need to qualify with documented income this loan will allow some one who owes more than thier home is worth to refinance.

for more information try www.fha.gov or call one of our courtess loan officers.

Commercial Loan Modifications on All Commercial properties

Multifamily 5 or more units

Office Buildings

Industrial Warehouse / Light Industrial Mixed Use

Retail Strip Center  Shopping Center

Fixed Rates from 1,3,5 and 10 years amortized over 25 and 30 years

Individual help in structuring your transaction to optimize and protect your assests

1031 1033 experience that will help you negotiate the IRS maze 

Debt coverage ratio as low as break even, most vary from 1:110 to 1:125

 Veteran Loan

$1.00 down payment available to Verterans

VA forms most often used are available on this page to down load

 Elgibility differs for period served as well as active or reserve duty

DD 214 gives the information needed for qualifying and this form is needed to obtain your elgibiliy cerfificate form along with an 1880 form

if you need to interface with department of Veteran affairs they are located at the  south east intersection of the 405 and Wilshire Blvd.

a reverse mortgage is not like your typical forward home loan. you are able to convert a portion of your equity with out having to pay monthly mortgage payments. this type of loan is geared to borrowers 62 years of age and older. it is to accommodate the client with tax free income that they can enjoy as long as they live in the home. please be sure to ask your loan officer to go into further detail with many different types of draws available.

Helps Seniors achieve independence and live life to the fullest. Seniors continue living in the home where they're comffortable by turning the equity in their homes into cash or tax-free income.

home owners retain full ownership

can live in their homes as long as they choose to

do not need income or credit to qualify

do not need to make monthly payments

do not need to repay the loan until they move out permantly or pass away

Never owe more than the home's appraised value, no matter how high the loan balance grows

there are several types  of Reverse Mortgage Programs available

age, loan size, value of property and pay out structure determine which program will be appropriate for your particular needs.

one of our courteous loan officers will be happy to answer your questions

 A lot of us at some point in our life have missed making a timely payment or co-signed for some one who had good intentions at the time.

 Fixing your credit score during a loan is not a good plan very often. if you do have concerns about your credit we will be happy to run a complimentary credit report and offer suggestions how to maximize your credit score along with a plan to sustain your improvement of your score. then when you enter into a Real Estate transaction you will know that closing your escrow will be some thing you can count on.

 these type of loans work very well for self employed or W-2 income earners that have additional income that may not be verifiable. we offer no income or stated loans for residential as well as commercial loans

 when the lender doesn't have documented income the credit score will need to be higher than a credit score that you could qualify with proof of income. Depending on the Lender and loan to value a score of 700 to 729 is usually what is expected.

 manufactured home loans are usually available in a standard fixed rate mortgage. they are fixed for 20 years with typically higher interest rates. this can be done to purchase in a park or on individual land plots. depending on your credit history you may have to put a down payment as low as 5% to as high as 20%. closing cost on this type of loan are generally low and affordable.

When credit or the property don't fit the profile

When you need to close in a few days

Loan to Value will be smaller usually around 50% on land

Interest Rate & points higher than a Convential Loan

No appraisal fee

No application

No pre-payment fee with our investors

Fees to fund usually are limited to include points, Escrow, Title Insurance