Mortgage Products

Conventional

  • Fannie Mae HomeReady®

  • Freddie Mac Home Possible®

  • Minimum credit score: 620

  • Escrow Holdback allowed

  • Blended ratios allowed

  • Fannie Mae DU Refi Plus

  • Freddie Mac Relief Refinance - Open Access

  • Minimal overlays to AUS findings

  • Manufactured Homes are eligible

FHA

  • Fixed Rate and ARM available

  • Manufactured Homes are eligible

  • Non-Credit Qualifying streamline refinances allowed

  • Gift funds allowed for down payment and closing costs

  • 500 min credit score*

  • Manual Underwrites - 560 min credit score

  • Non-Credit Qualifying transactions: A credit score is not required, but may be obtained for improved pricing

  • Escrow Holdback allowed

  • HUD REO

  • Blended ratios allowed

  • Limited 203(k) Rehabilitation loans and 203(h) Disaster Victim loans allowed

  • Minimal overlays to AUS findings

  • Foreclosure seasoning: 3 years

Jumbo

  • Non-Agency Prime Jumbo loans

  • Minimum credit score: 680

  • Manual Underwriting required

  • Maximum loan amount: $3,000,000

  • Fixed Rate, Fully Amortized ARM and Interest Only ARM available

VA

  • Fixed Rate and ARM available

  • AUS approved - 500 min credit score

  • Manual Underwrite - 560 min credit score

  • IRRRL: A credit score is not required, but may be obtained for improved pricing

  • IRRRL: Non-Pacific Union Serviced - Up to 130% LTV. Pacific Union Serviced - Unlimited LTV

  • Cash-out up to 100% LTV

  • Escrow Holdback allowed

  • Foreclosure/Short Sale/BankruptcyForeclosure/Short Sale/Bankruptcy
    (>2 years allowed with AUS Approval)

  • Manufactured Homes are eligible

  • Minimal overlays to AUS findings

USDA

  • Minimum credit score: 581

  • 100% maximum LTV

  • Manual Underwrites

  • No maximum loan amount

  • USDA Streamlined-Assist: no credit report, DTI ratio, appraisal for existing guaranteed loans, or property inspection required

  • Streamlined and Rate/Term refinances allowed

  • Manufactured Homes are eligible

  • Minimal overlays to AUS findings

  • Foreclosure seasoning: 3 years

Reverse Mortgages

Designed for homeowners age 62 and older, a reverse mortgage can help you unlock the equity in your home or finance a new home purchase. Finance of America Reverse makes this piece of longevity-planning puzzle seamless and simple. As specialists in reverse mortgage financing, Finance of America Reverse is dedicated to helping people learn more about how reverse mortgages can be part of a retirement plan. 

This material is not from HUD or FHA and has not been approved by HUD or a government agency.

 
Our Team
Brian Humphrey, Broker

Brian@pblendingteam.com | O: 714-676-8131

NMLS# 1018331

Patricia Konstantin, Office Manager

PBLendingTeam@gmail.com | Phone: 714-676-8131

Kesha Rivera, Loan Officer

KeshaRealEstate@gmail.com | Phone: 562-980-6565

NMLS# 1477870

 
Need a Quote? Contact us

We are here to assist. Contact us by phone, email or via our social media channels.

 

© 2018 PB & Co. Inc. DBA PB Lending

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