Loan Programs

Purchase

Financing for your next home, set up before you start making offers.

Buying goes better when the financing is settled before you fall for a house. Kam reviews your income, assets and credit up front, matches you with a loan program that fits, and gives you a clear price range to shop in.

As a broker, he can compare options from several lenders instead of one bank's menu, which helps when your situation has a wrinkle such as self-employment income, a recent job change or a higher price point.

Options

Purchase options

First home

Programs with flexible credit guidelines and small down payment options, plus help finding down payment assistance where it's available.

Move-up and luxury

Conventional and jumbo financing for larger homes, waterfront property and higher price points.

Second homes and investment

Conventional and DSCR options for vacation homes and rental properties.

Requirements

What lenders look for

1Credit historyMinimum scores depend on the program. Kam will tell you which programs your score opens up and what would improve your options.

2Income documentationRecent pay stubs and W-2s, or two years of tax returns if you're self-employed. Bank statement programs exist for business owners.

3Assets for closingTwo to three months of bank statements showing funds for the down payment, closing costs and any reserves.

4Debt-to-income ratioLenders compare your monthly debts to your income. Each program has its own limit.

Benefits

Why borrowers choose it

Shop with a real budget

A pre-approval tells you and the seller what you can afford before you make an offer.

More than one lender

Kam compares programs and pricing across his lender network for your file.

Someone on your side

He coordinates with your agent, the title company and the lender through closing.

Guidelines shown are typical and vary by lender. Loan approval, rates and terms depend on credit, income, property and lender guidelines. Program availability and requirements are subject to change. This is not a commitment to lend.

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