25 GREAT Niche Mortgage Programs with NO MI Now Available in Georgia 

We offer Non-Agency Portfolio Lenders
1. Jumbo fixed terms and ARMs $900,000 to 80% LTV–interest only 3 and 5 year ARMS available $1.2M to 70% LTV/CLTV (max $1.5M combined lien exposure) $1.5M to 60% LTV/CLTV (max $1.5M combined lien exposure) 2. No add to rate for loan amounts up to $1 million 3. No mortgage insurance EVER!	Call Our Team Today
4. Refinances: 1 loan up to 90% LTV–up to $800,000 maximum loan amount NO MI 5. 90% 1 loan, no MI refinance-payoff cash out 2nd and up to $20,000 of debt consolidation 6. Purchases: 90% LTV/ $500,000 Purchase NO MI-CLTV with outside 2nd-maximum  2nd 85% CLTV 7. 1st position HELOCs to $350,000: great for “free and clear” properties 8. Stand-alone 2nds: HELOCs and fixed 15 and 20 year term products 9. Fixed rate lock option available on 1st and 2nd position HELOCs 10. 620 mid score program-1st position up to 80% max CLTV up to $500K 11. Cash out available-up to $200,000 cash-in-hand available up to 80% LTV 12. 3-4 unit owner occupied program 13. Foreclosures and short sales allowed 14. Rural properties allowed 15. No minimum reserve requirements up to $900,000 (excluding I/O ARMs) 16. Appraisal FAST 17. Short payoff refinances available(different than short sales) 18. Qualify with primary wage earner’s credit score 19. LOCK AND SHOP “To be determined” purchases are accepted (automatic 45 day lock) 20. Gift funds are allowed for down payment on purchase loans at 85% CLTV or less 21. Condos up to eight stories: minimum ten units 22. Manufactured financing up to a maximum loan size of $200,000-80% LTV max 23. Refinancing of construction loans to permanent financing is available 24. Acreage allowed (full value to ten acres-no value exceeding ten acres) 25. 50% maximum DTI on 1st position fixed rate refinances-all other products 45%  maximum DTI

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