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Interior Decor

Mortgage Lending

We are partnered with US Mortgage Lenders LLC NMLS #1108258, a privately managed mortgage company headquartered in Hollywood, Florida. Our mission is to deliver exceptional customer care. We create value by providing unique loan programs and superior customer service. US Mortgage Lender(s) stand by these 3 core principles.

  • Trust– We will earn and keep your trust. 

  • Dedication – We will look out for your best interest.

  • Commitment – We are committed to serving you.

We have VIP access to over 140 lenders across the country who are ready to serve various types of buyers from the traditional buyer, the entrepreneur/investor buyer, and the foreign national, or visiting buyer. Complete a free pre-approval for a purchase, refinance, or any other real estate transaction.

Traditional Buyers

  • FHA 100% Financing Min 620 credit score. The lender offers a 2nd mortgage for the 3.5% down payment. But the seller must agree to 6% back for the seller paid closing cost. Must AUS approve!

  • FHA, VA Down to 500 Credit score with min 10% down for FHA, based on payment history and not credit score driven. 31/43 max DTI.

  • No Income Verification Primary Home Mortgage Lenders require 20% down, min 680+, 24-months reserves, avg 3-3.5 points depends on credit.

  • No Credit Score FHA, VA using alt trade lines means we can use rental history, electric, cellphone, car insurance for 12-month pay history if you don't have a credit score. Max DTI 31/43.

  • FHA/ VA Manual Underwriting Approvals with Late pays, Bankruptcy, Foreclosure.

  • Reverse Mortgage

  • Cash-out Refinance

  • 1% Conventional min 620 credit score with AUS approval. 80% of the area median income. https://sf.freddiemac.com/working-with-us/affordable-lending/home-possible-eligibility-map

  • Manufactured Homes with Land.

Foreign National Buyers

  • ITIN loans with No tax return means we can use bank statements for income.

  • Foreign National Loans Up To 75%.

Investor & Entrepreneur  Buyers

  • No Tax Return Lenders - means we can use up to 90% Bank statement deposits for income or VOE,1099 or W-2.

  • No Income verification Investor loans use rental income to make the payment or AirBNB Income- NO Prepayment Penalty on DSCR- Cash Out Up to 75%.

  • Delayed financing- Cash buyers can refinance right after they buy a house cash.

  • Condotels Up to 75% LTV.

  • Land Loans up to 65% LTV- must be zoned residential, minimum 100k loan amount.

  • No Income verification commercial lenders means our lenders don't need income verification to get you a loan that works for y.

  • Commercial 100% financing bad credit lenders with seller held second mortgage 50% LTV.

Also

  • Waived Escrows and Insurance up to 97% for Free with no hits to the rate.

  • We advance the funds for the condo questionnaire and budget upfront condo approval. Warrantable up to 97% and non-warrantable up to 90% LTV.

  • 24-48hr Approvals with Avg 15-21 day closing for FHA, VA, Conventional.

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