Fixed Rate Mortgages 
10,15,20 and 30 year fixed rate mortgages • No loan origination fee • Limited documentation • Typical loans can close in less than 28 days 

 

First Time Homebuyer Fix 97 
You can purchase a home with only 3% down • What is a first time homebuyer? At least one borrower has not owned a home in the last 3 years. • Gift (Down Payment) from relative - Ok • Seller can pay 3% of your closing cost • No income limit • No loan origination fee • Permanent resident aliens - OK • Non-Permanent resident alien - OK • Inter Vivos revocable trust - OK • Limited documentation • Typical loans can close in less than 28 days 

 

Condominium Loans 
Unlike most lenders we do not look at owner occupancy ratios • Gift (Down Payment) from relative - Ok • Seller can pay up to 6% of your closing cost • No income limit • No loan origination fee • Typical loans can close in less than 28 days 

 

Jumbo Loans 
Purchase & Refinance • Loans up to $3,000,000 • LTV up to 80% • Second home financing - OK • 15 & 30 Year Fixed Rate • Seller contribution up to 6% 

 

Home Equity Loans 
Loans up to $417,000 • Loan Terms - 10,15,20,25 and 30 year fixed rate • LTV - 80% 
Maximum Amount: $417,000

 

Reverse Mortgages for Seniors 
Reverse mortgages are increasing in popularity with seniors who have equity in their homes and want to supplement their income. The only reverse mortgage insured by the U.S. Federal Government is called a Home Equity Conversion Mortgage or HECM, and is only available through an FHA approved lender. The Home Equity Conversion Mortgage (HECM) is Titanium Mortgages reverse mortgage program, which enables you to withdraw some of the equity in your home. The HECM is a safe plan that can give older Americans greater financial security. Many seniors use it to supplement Social Security, meet unexpected medical expenses, make home improvements and more. You can receive additional free information about reverse mortgages by contacting us at (713) 524-4242. It is smart to know more about reverse mortgages, and decide if one is right for you! 

 

Bank Statement Program 
Loan Amounts $150K to $2M • 24 Months Bank Statements (24 Months Average Used) • No Tax Returns Required • Seller Concessions to 6% (2% for Investment) • SFR, Condo, 2-4 Units, Townhomes, Owner Occupied, Second Home, Investment Property 

 

No Income - No Tax Return Loans 
Occupancy Type: N/O/O and investment purpose only • Property Type Residential: Single Family, Condominiums, Townhouse,2 -4 Units • Property Type Commercial: 5+ Units Multifamily, Mixed Use, Office & • Loan Amounts: $100K - $5 Million. For Larger amounts please call. • Lending to: Individuals, Corporations, LLC's and Family Trust. 

 

International Buyers (Foreign National) Program 
No FICO Needed • No US Credit Needed • Eligible Visas: B-1, B-2, H-2, H-3, I, J-1, O-2, P1, P2 • Occupancy Type: Second Home and Investment Purpose - Property Type: SFR, Condo, Townhouse, 2 -4 Units • Loan Amounts: $100K - $5,000,000 (For Larger amounts please call) 

 

Small Investor Fix & Flip Loans 
Occupancy Type: N/O/O and investment purpose only • Property Type Residential: Single Family, Condominiums, Townhouse, PUD, 2 -4 Units • Property Type Commercial: 5+ Units Multifamily, Mixed Use, Office & • Loan Amounts: $100K - $5 Million. For Larger amounts please call. • Lending to: Individuals, Corporations, LLC's and Family Trust. 

 

Loan Programs For Investors That Acquire And Lease Properties As Well As Fix & Flip 
Direct Private Money Financing for Fix & Flip Investors • Lines of credit from $500,000 to $5,000,000 • Individual deals up to $1,000,000 • Loans and Lines of credit for single family and multifamily (up to 30 units) up to 36 months • No Prepayment penalty • Renovation funds are advanced in draws • LTV: Multi- Family up to 30units. Up to the lesser of 75% of aquisition and rehab costs or 60% of ARV • LTV: 1-4 Units - Up to the lesser of 80% of aquisition and rehab costs or 65% of after repaired value (APV) • Close in 30 days 

 

Loans For Landlords - Free up your equity to grow your portfolio 
Loans from $300,000 to $50,000,000 • We blanket/cross colateralize 3 or more residential rental units at a time • Single family homes, condos, townhouses, and 2 to 4 unit buildings • Loans are based on rent cash flow not your DTI • Terms 5 & 10 years • LTV up to 75% • Minimum DSCR 1.15x • Recourse and Non-Recourse loans available • Interest only loans available • Close in 45 to 60 days 

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