As a loan officer at Pacific Mortgage Center, I specialize in both traditional loan products, as well as private money loans. This company has been around for the last 25 years and has weathered the various ups and downs of the real estate market. I'm your one stop shop for real estate loan products. Here's some of what we can offer: 100% USDA Purchases 100% VA purchases 96.5% FHA Purchases 97% Conventional with no PMI 95% Conventional loan, only 1 year W-2 to qualify Conventional Refinances Construction loans Investment loans Commercial loans Stated income loans: Note rates between 4.5-9.5% 5yr Arms to 30 year fixed 12 month bank statement program to verify income Down to 600 credit score 720 credit score only verify rents and refinance on 30 year-can use 65% of rents to qualify toward new mortgage payment. Other products available Private money also available: 1st Mortgages only, we do not take second positions with private money Rates 8-12% interest only, 4-5 points Loan Sizes of $50,000-$500,000 Terms of 9 month-15 year Balloons Commercial, Fix and Flips, Owner/Spec Builder Multi Units- Typically up to 80% LTV Land Developments typically 50% LTV Purchase- Refinance Investments Fix and Flip-Up to 75% of the ARV(After Repair Value)