Elixir Of Mortgage Lending

California/Florida One-Stop-Shop Home Lending Primary Residence. California/Florida Primary Residence No Ratio Loans No Income Verification However Does Have Reserve Requirements. Nationwide Non-Owner Occupied Investment Property Financing With No Tax Returns No Income Verification: Fix&Flip, Bridge Loans, Hard Money, Mixed-Use Properties, Mid-Construction & Multi-Family. #california #florida #primaryresidence #conventionalloans #fhaloans #nonqm #bankstatementloans #alternativeloans #selfemployedhomeloans #statedincome #noratioloans #noincomeverification #nonowneroccupied #investmentpropertylending #fixandflip #longtermrentals #hardmoney #bridgeloans #bre01901050 #nmls1704105 #elixirmortgagelending

Nationwide non-owner occupied investment properties 1-4 units with no income verification no FICO score offered in approximately dozen states.  #nationwide #nonowneroccupied #investmentproperty #noincomeverification #fixandflip #fixnflip #fliploans #nmls1704105 #bre01901050 #elixirmortgagelending

California/Florida One-Stop-Shop Home Lending Primary Residence. California/Florida Primary Residence No Ratio Loans No Income Verification However Does Have Reserve Requirements. #nationwide #nonowneroccupied #investmentproperty #dscr #california #californiarealtor #californiarealestate #californiahomes #californiarealtors #californialiving #califlorida #florida #floridahomes #floridarealestate #floridahome #floridamortgage #mortgagelending #nmls1704105 #bre01901050 #elixirmortgagelending

Nationwide Switch Bridge Loans/Fix & Flip/Hard Money Loans To Longer Term Financing, No Income Verification, Non-Owner Occupied & Investment Properties Cash-Out Refinance Available. #nationwide #nonowneroccupied #investmentproperty #fixandflip #fixnflip #fliploans #rentalpropertylending #multifamilyinvesting #longtermrentals #california #californiarealtor #californiarealestate #californiahomes #californiarealtors #californialiving #califlorida #florida #floridahomes #floridarealestate #floridahome #floridamortgage #mortgagelending #nmls1704105 #bre01901050 #elixirmortgagelending

California/Florida As conventional loan rates are rising less folks are qualifying the conventional ways there are alternatives loan programs available which before seemed not as doable due to inferior terms are now closer in line with current market terms.  There are more options to qualify than just conventional programs. #california #californiahomeloans #californiarealestate #florida #floridahomeloans #floridarealestate #conventionalloans #statedincome #hardmoney #bailoutloans #secondloans #nonqm #bankstatementloans #homeloans #mortgageloans #mortgagelending #nmls1704105 #bre01901050 #elixirmortgagelending 

California/Florida First Time Home Buyers Primary Residence 3% Minimum Down Payment. #firsttimehomebuyers #homeloans #california #californiarealtors #californiarealestate #californiahomes #californialiving #florida #floridahomes #floridarealestate #floridahomes #floridamortgage #mortgagelending #nmls1704105 #elixirmortgagelending 

California/Florida One-Stop-Shop Home Lending Primary Residence. California/Florida Primary Residence Match & Beat Pricing Conventional Loans. New Loan Limits Up To 715K Conforming Limits With Minimum 5% Down Payment. #california #californiarealtor #californiarealestate #californiahomes #californiarealtors #californialiving #califlorida #florida #floridahomes #floridarealestate #floridahome #floridamortgage #mortgagelending #nmls1704105 #elixirmortgagelending

California Primary Residence Hard Money Home Lending With No Income Verification.  Bailout Loans Available. #california #californiarealtors #californiahomes #californiarealestate #californiarealtors #californiaprimary #primaryresidence #hardmoney #bailoutloands #homeloans #bridgeloans #mortgagelending #nmls1704105 #elixirmortgagelending 

Nationwide Fix & Flip Non-Owner Occupied 1-4 Units Investment Properties.  Mid Construction Loans.  ADU Add On Financing.   #fixandflip #nationwide #nonowneroccupied #investmentproperty #midconstructionloans #adufinancing #rehabloans #californiarealtors #californialiving #califlorida #florida #floridahomes #floridarealestate #floridahome #floridamortgage #mortgagelending #nmls1704105 #elixirmortgagelending

California/Florida Underserved home buyers are now getting the attention of lenders for their home purchase needs. While market is slowing down and sellers are willing to negotiate more closing a home loan with 1st and 2nd loan will take longer it’s an option for some buyers in current housing climate. #elixirmortgagelending #nmls1704105 #california #florida #homepurchase #homeloans

California/Florida- The key different for better conventional loan pricing is to cover borrowers options on optimal points as pricing does have trigger points.  So long as lenders know, understand where these triggers are and convey to borrowers there maybe some room for saving for borrowers.  #conventionalloans #california #californiahomeloans #mortgagelending #florida #floridahomeloans #homeloan #nmls1704105 #elixirmortgagelending  

We cover an example for debt to income ratio for a conventional loan as well as self-employed loan based on same loan amount and income. Using model you can calculate how much you can afford approximately for a loan before speaking to a lender.  We lend in California & Florida.   #california #californiarealestate #californiarealtors #californiahomes #califlorida #florida #floridarealestate #floridarealtors #floridahomes #mortgagelending #nmls1704105 #elixirmortgagelending

Due to current market place lenders are going on margin call as a result their funds drying up causing cancelation of loans or loan fall outs. Choosing the right money source is important as some lenders despite challenging climate continued to lend. We can help secure a more reliable money source for your financing needs.

Different mortgage loan tiers based on borrowers current circumstance. Borrower of a wider range of different way of producing income can get a mortgage loan. #elixirmortgagelending #nmls1704105 #mortgagelending #statedincome #bankstatements #nonqm #conventionalloans #jumboloans #fhaloan #valoans #mortgagelending #california #californiahomeloans #florida #floridahomeloans #primaryresidence 

Nationwide Long Term Rental 1-4 & Vacation Rental Financing. #portfoliolending #longtermrentals #multifamily #vacationrentals #nationwide #nonowneroccupied #investmentproperty #investmentproperties #nmls1704105 #elixirmortgagelending

California/Florida Primary Residence State Income With No Income Verification.  Stated Income Requires More Down Payment & Reserves Requirements However Does Not Require Tax Returns To Qualify.   #statedincome #primaryresidence #noincomeverification #california #californiarealestate #californiarealtors #californiahomes #califlorida #florida #floridarealestate #floridarealtors #floridahomes #mortgagelending #nmls1704105 #elixirmortgagelending 

Rates on long term rentals have remained consistently the same despite conventional mortgage rates increasing significantly. While this correction is expected to come soon it’s a great time and opportunity to take advantage of long term rental programs for non- owner occupied investment properties with income verification.

California & Florida borrowers can enjoy benefits of all out programs for primary residence as well as investment properties. Nationwide we offer non-owner occupied Investment property financing 1-4 units.

California/Florida real estate values have appreciated and borrowers equity positions have strengthened. However debt is on the rise and using your home equity you can eliminate debt. Nationwide investment properties can be cashed out up to 80% LTV.

Nationwide non-owner occupied invest properties FixNFlip/Long Term Rentals/Construction financing. #nationwide #nonowneroccupied #investmentproperty #fixandflip #fixnflip #longtermrentals #constructionloans #nmls1704105 #elixirmortgagelending

California & Florida new conforming loan limits was increased to 625K and if for any reason home is located in a city/county where borrower needs financing above conforming loan limits we have loan programs to help. #california #florida #conformingloans #nonqm #nonconforming #homeloans #mortgageloans #nmls1704105 #elixirmortgagelending

2021 has been an optimistic year for our investors and financing Long Term Rentals nationwide for non-owner occupied investors with much improved rates as well as terms. This form of financing can be used for vacation rentals 1-4 units and 5+ units multi-family. #nmls1704105 #elixirmortgagelending #longtermrentals #nationwide #nonowneroccupied

Long Term Rental Investment Property Financing Or Refinance Of Multiple Properties As A Blanket Single Transaction.

Mixed-use properties can be more challenging to finance especially with conventional lending however lending as non-traditional investment is an option. If property is owner occupied but commercially zoned we can lend on as borrower occupied but if zoned residential it can only be financed as non-owner occupied.

Nationwide non-owner occupied investment properties no income verification to qualify using monthly rental income paid by tenant short term as vacation rentals or long term using tenants monthly paid rental income under contract.

California/Florida Jumbo Loan Programs Is Used to Exceed county Loan Limits As Well As Programs Benefiting Self-Employed Borrowers.

California/Florida Self-Employed Borrowers Seeking A Mortgage Loan Now Have More Options Than Traditional Loans Using Tax Returns.

Investors looking to finance or refinance an existing construction loan or build ADU ground up we can utilize our rehab loan program to achieve. Best results tend to be in California/Florida.

California/Florida New 2021 Jumbo Loan Program With Higher Loan Limits Higher Loan Thresholds More Flexible Faster Closing Process. NMLS#1704105

Borrowers looking to purchase home in California/Florida with conventional financing in 2021 need to know to make your offers more competitive with faster closing.

Using stated income as high net worth savvy investor you can get lower long term rental rates. 30 years fixed terms with competitive rate currently.

Nationwide borrowers looking to finance 1-10 units investment property with no income verification from 400K-4M 700+ FICO.

With recent changes to mortgage industry and rapid program changes just highlighted on what’s available currently.

Maximize equity in uncertain times cashing out while home values are solid and you have recent pay stubs.

While no one knows how long home prices will continue to rise however it is more likely than not rents will not be decreasing. With that said investors are now more attracted to long term rentals or short term rentals such as vacation rentals/Airbnb's. Since the start of 2020 we've lowered our rates in the long term rental non-owner occupied no income verification programs also known as NONI. Borrowers with 680+ FICO get rewarded with lower rates on 5 year ARM and 30 years fixed programs. We offer this program in 30 states which borrowers can also add up to 2.5% of closing cost financing with an additional .25% rate hit which allows borrowers to finance up to 82.5% LTV on loans over 150K-1.2M. Borrowers have an option to pay their own escrows or set up impound accounts which is not as common with this type of financing. Borrowers will have 3 years prepayment penalty 3%/3%/3% if they decide to change loan or sell property. This program does not require investment experience on 1-4 unit properties. So long as area rental calculation (1007) covers monthly mortgage and equity requirements are met for down payment this program does not require rental agreement or even a tenant in place so long as property is used for investment purposes. For any reason debt service ratio is less than 1 which means its negative on cash flow every month its .5% additional rate hit however still can be done. Lastly, we cover up to $550 of appraisal cost at closing.

Dez Gerald is a real estate broker & stager in the Charlotte, North Carolina region with over 15 years experience in her local market her and her sisters have been working with buyers, sellers as well as investors.  Her professional experience on the local communities.  Dez Gerald CEO/Owner at DI Real Estate & Staging.  For more information you can contact her [email protected] http://www.direalestatestaging.com/ Join Dez's home buyer & investor groups www.facebook.com/homebuyerrenterscircle meetup.com/wholesalers-investors-flippers #DezGerald #RealEstateBroker #Stager #NorthCarolina #Charlotte #Staging #Investors #Buyers #Sellers #Direalestatestaging #1sttimehomebuyers #Homesellers #Moveupbuyer #ElixirMortgageLending

California/Florida One Stop Shop Home Loans, Jumbo, Conventional, FHA, VA, Reverse Mortgage & Bank Statement Loans.  Knowing you have options to getting into a home is important and for many folks its a choice.  

Jack DeAngelis on his extensive experience in business for many years in several different industries as well as understanding of what small business owners go through especially in today's environment.  You can reach Jack DeAngelis directly at 949.439.7527 or [email protected]

Jack DeAngelis on his extensive experience in business for many years in several different industries as well as understanding of what small business owners go through especially in today's environment.  You can reach Jack DeAngelis directly at 949.439.7527 or [email protected]

Dez Gerald is a real estate broker & stager in the Charlotte, North Carolina region with over 15 years experience in her local market her and her sisters have been working with buyers, sellers as well as investors.  Her professional experience on the local communities.  Dez Gerald CEO/Owner at DI Real Estate & Staging.  For more information you can contact her [email protected] http://www.direalestatestaging.com/ Join Dez's home buyer & investor groups www.facebook.com/homebuyerrenterscircle meetup.com/wholesalers-investors-flippers #DezGerald #RealEstateBroker #RealEstate #NorthCarolina #Charlotte #Staging #Investors #Buyers #Sellers #Direalestatestaging #1sttimehomebuyers #Homesellers #Moveupbuyer #ElixirMortgageLending 

Bianca Diaz advice on how to help restore credit as well as preventative steps to look out for. She can be reached directly at [email protected] or 786.316.8659 for more information.

David Snell education on got mold and how to solve mold issues.

Ways for investors to come up with down payment for purchasing investment properties nationwide.

740+ FICO nationwide 44 states up to 85% LTV 1-40 units.

Long term/Short term investor financing non-owner occupied with no income verification 740+ FICO with 15% down payment is one of the lowest down payments in the industry today.

Self-employed borrowers can purchase or refinance their primary residence or investment properties using P&L and CPA letter as a simpler alternative to bank statement loans.

Short & long term financing from 75+k with 660+ FICO with no income verification 3 months reserves.

Fix&Flip details to know in 19 states to optimize investment financing.

Values in recent history showing up lighter and investors are digging into values even more.

Bridge loan basic info to get started with your investment financing.