Meet the Preferred Lender Team
Joyce Dow
Mortgage Loan Officer
NMLS # 305831
AMG Capital Mortgage
Ph. (626) 372-1892
Aylen Nolasco
Mortgage Loan Officer
NMLS # 1061079
AMG Capital Mortgage
Ph. (951) 489-8503
We work with multiple lenders to give you options and provide you with the opportunity to get the best mortgage you can!
Loan Types
Conventional
- 620 Minimum Fico Score
- No Overlay
- Appraisal Waivers Allowed
- 1 Year Tax Returns per AUS
- Max Debt-to-Income Ratio per AUS, Up to 50%- No Overlays
FNMA Home Ready
- 3% Minimum Down Payment
- Affordable and Cancellable MI
- First Time or Repeat Buyers
- Homeownership Education Available
- Innovative Underwriting Flexibilities
FHLMC Home Possible
- 15, 20, and 30YR Fixed Terms
- 1 – 4 Units, Condos and PUD’s
- Up to 97% LTV w/ 3% Down
- Gifts Allowed for Down
- No Income Limit in Low Income Census Tracts
- Reduced Mortgage Insurance
FHA Loan
580 Minimum Fico
3.5% Minimum Down Payment
Max Debt-to-Income Ratio per AUS- No Overlays
VA Loan
- 580 Minimum Fico
- Loan Amounts Up to $2.5 MIL
- Max Debt-to-Income Ratio per AUS- No Overlays
USDA Loan
620 Minimum Fico
Max Debt-to-Income Ratio per AUS- No Overlays • Manufactured Eligible per USDA
Jumbo Loan
- 680 Minimum Fico Score
- Up to 89.99% Loan-to-Value Including Cash-Out
- 30 Year Fixed
- 1-2 Units
- Loan Amounts Up to $3MIL
Bank Statement Loan
640 Minimum Fico Score
Loans up to $3MIL
No Mortgage Insurance Required
Available on Primary and Secondary Homes, Investment Purchase and Refinances
Cash-Flow only investor loan
- DSCR – Qualify with Rental Income on Subject Property
- Loan Amounts up to $2.5MIL
- 620 Minimum Fico Score
- First Time Investors Welcome
- Up to 85% Loan-to-Value
Down Payment Assistance – Chenoa Fund
- 600 Minimum Credit Score
- 1-2 Units
- Non-Owner Co-Borrowers allowed
- FHA 1st with Repayable Second
- 2nd is 10 Year Term at 2% Higher Rate than 1st
- Forgivable Second Option Available
- Single/Doublewide Manufactured Allowed
6 Things NOT to do when applying for a mortgage
WHEN LENDERS REVIEW YOUR APPLICATION, THEY LIKE TO SEE CONSISTENCY IN YOUR FINANCES
- Do not make major purchases like furniture, appliances, jewelry, vehicles or vacations.
- Don’t change or quit your job.
- Consult with your mortgage professional before withdrawing, depositing or moving large amounts of money in or out of your bank account.
- Do not pay off debts or collections (unless instructed to do so by a mortgage professional).
- Avoid using cash for a good faith deposit – cash is difficult to verify and could result in a closing delay.
- Don’t have your credit report pulled too many times -this can hurt your credit score.
Not sure you qualify for a loan? No problem!
We help our clients generate a plan to get you qualified. Be it in 2 weeks, 2 months, or 2 years. Just reach out and let us show you why our clients like working with us and our personalized approach.