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LOAN PROGRAMS

There are many different loan programs I can offer you through RFA (Residential Finance America). Once I take your loan application, I can see what type of loan will best suit your needs.

    107% LOAN TO VALUE HOME SOLUTION

  • Offers borrowers LTVs up to 107% and loan amounts up to $650,000.
  • Ideal for a variety of borrowers, especially first time homebuyers.
  • Attractive for homebuyers who want to qualify for as much "home" as possible.


    • EXPANDED LOAN OPTIONS

  • Offers more financing options for homebuyers with less than perfect credit.


    • REDUCED DOCUMENTATION OPTIONS

  • Under our Stated Income Stated Asset (SISA) programs proof of income and assets are not required.
  • Our No Ratio documentation programs allow borrowers to verify only the source of income, while avoiding the disclosure and verification of the amount of income.
  • Our No Income No Asset (NINA) programs do not require the disclosure or verification of the borrower's employment, income, or assets.
  • Loan amounts to $2 million


    • FLEXIBLE 100 & FLEXIBLE 97 LOANS

  • Offers borrowers more options for zero or low payment mortgages and greater flexibility for sources of funds for down payment and closing costs.
  • Flexible loans are underwritten using one of the automated underwriting tools, providing you with fast loan decision recommendations and streamlined documentation.
  • Allows for flexible sourceof funds for down payment and/or closing costs. In addition to borrower's own funds, allowable sources include: gifts, grants, unsecured loans from relatives, employers, public agancies or nonprofits, or secured borrowed funds.
  • No low-to-moderate income limitations or homebuyer counseling required.


    • NO MORTGAGE INSURANCE PROGRAM

  • Provides the borrower wtih an option to obtain loans with down payments of less than 20%, without having to obtain mortgage insurance (MI) or a concurrent second mortgage.
  • No monthly MI premiums result in lower monthly payments than other alternatives.
  • Second home, Non-owner occupied, Cash out Refinance programs available.
  • May provide a greater tax deduction (please consult your tax advisor).
  • Low owner-occupied condos are eligable.