We assume the borrowers have stable income (can document current and previous 2 year stable income), borrowers have all down payment and closing cost and reserve in their own bank accounts or other institute accounts (like stock, mutual fund), all borrowers have no foreclosure, short sale, bankrupt record and no rental, mortgage payment delay. Borrowers debt to income ratio is 45% or below using stable income. If you have any question (credit, income, gift fund, etc) please indicate below.
As limited information collected, our rate quote may be not accurate. To get a accurate rate quote and loan estimate, please submit a loan application and pull a credit report.
We have different loan products for you. We try to find the best rate for you that you can close your transaction on time.