Pre-Approval

Pre-qualification takes the guess work out of house hunting and refinance options. Complete a short form and your information will be reviewed by the appropriate mortgage specialist. At this point, your information will not be verified which means no credit checks or employment verification. This is an opportunity to receive a free, no obligation mortgage plan from a lending team you can trust.

NIV Loan

No Ratio Loan (NIV)
Income is not stated. Employment is verified, program DTI requirements are waived.
Asset documentation must display anywhere from 2 to 10 months worth of subjects total monthly mortgage payment or PITI, depending on Property Use. Higher cash reserves are typically required for investment property. Lowest cash reserves are required on a Primary Residence