2nd loans can usually be subordinated at a very small cost. An employer forgiveable loan should be no exception as long as the term is at least 5 years and the loan is recorded as a lien against the property. Even if it does not meet specific requirements, it is likely we can restructure your 2nd loan so it does.
An 800 score will qualify you for the very best rates as long as your property and income meet the lenders requirements.
Larry Martinez 415-258-1691. NMLS 256787 (Mortgage Loan Officer)