Home Team Lending - What We Do

WHAT WE DO

PROPERTY TYPE:
	ACCEPTABLE COLLATERAL

Single Family Homes, 2-4 Family Homes, Owner or Rental Properties; Condos; Second or Vacation Homes; Modular Homes; Commericial; and Mixed Use Properties

Construction Loans with a Builder
Construction Loans with you as Builder
Rehab/Purchase Loans

CREDIT GRADES:
	WHO CAN QUALIFY

A-Z Credit; Past Bankruptcy and Programs to Stop Foreclosure

LOAN TO VALUE:
	AMOUNT OF EQUITY AVAILABLE BASED ON MARKET VALUE

programs up to 125% for A credit

No Money Down 100% Purchases with 'C' Credit

Straight Refi's to 107%

LOAN AMOUNT:

Maximum loan amount - $2 Million

Minumum loan amount - $10,000

MAX DEBT RATIO:
	DEBTS INCOME

Up to 60% for Certain Products

INCOME LEVEL VERIFICATION:

Full Documentation

Using Bank Statements or Deposits

'Stated' Income Programs

CONSUMER CREDIT:
	REVOLVING CREDIT
	(EX: CREDIT CARDS)

Emphasis on the last twelve months

Programs for all levels

ALL PROGRAMS ARE SUBJECT TO UNDERWRITING APPROVAL