Samlani - are you looking to purchase in and or around Redlands? Are you a first time home buyer? What exactly are you seeking? I have a lot of resources available to home buyers like yourself that I have been able use to help them into that special purchase.

E-mail me back and we can arrange a time to talk.

I specialize in Redlands properties.

Hi Samlani,

My company can absolutely do this loan. We do FHA purchase loans down to 531 credit scores. My name is Jake Johnson and my email is jjohnson@lendamerica.com. I work with one of the nations largest FHA bankers. Talk to you soon.

Yes, a 620 score seems to be what a lot of people are being told in the minimum credit score in this market. However, this is not the exact case.

I can easilly receive an automated loan approval with a 580 minimum score, not 620. You seem to have a good combination of credit files so a joint approval should not be a problem.
Working for a retail bank, I don't seem to have as many of the drawbacks that some brokerages have. I would be glad to assist you in your mortgage qualifying. Feel free to contact me if you have any questions.

Luke Allison
Bank of America Home Loans
828-777-8828
luke.allison@bankofamerica.com

Hi Samlani,

I am not a mortgage broker or service provider. I am a private real estate investor who buys homes from distressed sellers and re-sell them to credit challenged buyers through our private financing. The financing is to be used to purchase properties within our inventory, and not others because we are not lenders.

Our program requirements are 560 FICO, 5% down payment, and up to 50% debt to income ratio. They are 30 yr fix rate loans. Pre-approval takes approx 1 to 1.5 weeks. If you qualify but don't see anything match your preference in our inventory, I am willing to find a match for you but I don't prevent you from working with other mortgage brokers. We also welcome and pay realtors if you are working with one.

Our homes are usually purchased from sellers who are in pre-foreclosure, so that we can help prevent the foreclosure and get the property at better condition than most bank-owned and vacant homes. They could be in any area, luxury or median priced homes.

Our interest rates on the private loans may be slightly higher than market rate, however, you might get the property at a discount so that your payments could balance out and still be affordable. Or if you can not qualify else where, you can still have a home of your own and enjoy the fix payments and private space.

If you would like more info, please feel free to contact me.

Thanks,

Celine Fang
Real Estate Solutions Specialist
Immi-Nest, LLC -- Immigrate to Your Nest
PO Box 1447, Harvey, LA 70059
504-723-9269 ( C )
504-617-7007 ( F ) http://www.ImmiNest.com
Celine@ImmiNest.com