Certified Mortgage Planners is Committed To Creating an Exceptional Client Experience From Contract To Closing and Beyond.
HOME TOWN HERO'S LOAN
-All first responders, teachers, nurses, doctors, EMT, etc
-White glove treatment
-FREE credit counseling (no 3rd party intros)
PRIVATE MONEY
• Typically, 65% LTV (will consider higher LTV’s with
compensating factors)
BANK STATEMENT PROGRAM
• Perfect for self-employed borrowers
• Up to 90% LTV (no mortgage insurance)
• 12- or 24-month business or personal bank statements
• 2 years self-employed required
• No tax returns
• 1099 Option available
• Non-warrantable condos are ok
SIMPLE BRIDGE
• Tap into the equity without having to list or sell, and make non-contingent offers
• Access up to 90% LTV minus the outstanding mortgage balance
• Pre-approved at time of introduction and underwritten simultaneously with new purchase loan
RIBBON CASH OFFER
-Ribbon backed CASH offer to replace your financing offer
-1% fee for use as long as mortgage closes on time
-2.75% fee if loan does not close and Ribbon has to buy the home
-12 months rental option after closing to secure financing and repurchase
INVESTOR CASH FLOW “NO INCOME”
• Up to 80% LTV
• No employment, no income
• Qualify based on property cash flow 1:1; 75% LTV 75-.99:1
• Must have a housing history and own a primary
• No limit on # of properties owned
• Properties can be titled in LLC
• Non-warrantable condos ok
ASSET ONLY
• Up to 80% LTV up to $1MM
• No employment, no income, no DTI
• Primary residence and second home only
JUMBO FINANCING
• Up to 89.99% LTV (no mortgage insurance)
• Strong jumbo financing at 80% LTV up to $1MM and
75% LTV up to $1.5MM
REVERSE MORTGAGE FOR PURCHASE
• 50% LTV in most cases
• Ideally, 45-day purchase agreement
WANT TO LEARN MORE INFORMATION LIKE:
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HOW MUCH COULD I BE APPROVED FOR?
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WHAT WOULD MY MONTHLY PAYMENT LOOK LIKE?
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Certified Mortgage Planners
Certified Mortgage Planners is focused on helping our clients build a strong financial position through careful management of equity, the proper use of capital, and a dedication to maximizing their rate of return.