A Mortgage Boutique

Thông tin cơ bản

Chương trình QM

• Conventional
• Home One
• Home Ready
• Home Possible
• FHA
• FHA Streamline
• FHA 203(k)
• Doctor Loan
• VA
• VA IRRRL
• USDA
• USDA Streamline

Loss payee

First Community Mortgage, Inc. ISAOA/ATIMA 262 Robert Rose Drive, Suite 200 Murfreesboro, TN 37129

Điều khoản CPL hoặc subordinate

Không có

Chính sách khóa lãi & phí

Chính sách khóa lãi

Gia hạn khóa lãi

Locking Hours 9:30am – 6:30am (next day) CST Agency Programs 10:45am – 5:00pm CST Non-Agency Programs .020 bps per day for 30 days

Khóa lại

Yes - aggressive float down policy All re-lock requests must be submitted to lockdesk@fcmpartners.com to re-lock a loan.

Lock & Shop

Có

Thế mạnh & overlay của lender

Thế mạnh của lender

New Product: Doctor Loan

• Primary Residence Only
• Purchase & Rate / Term Transactions
• 30 Year Fixed Rate, 7/6 and 5/6 ARM available
• 100% LTV up to $2,000,000!!
• Max LTV/CLTV 100% & No Mortgage Insurance!!
• Max 45% DTI > 95% or Max 50% DTI < 95%
• Min Credit Score 680
• Future Income Allowed!!
• Start date up to 150 days in the future!
• State License Pending OK!!
• No Occupant Co Borrowers permitted
• Gift funds are acceptable for reserves
• Student Loan Exclusion available (ask for details)

Eligible Professions

• Medical Doctor (MD) or (DO)
• Medical Resident/Fellow
• Doctor of Dental Medicine (DMD)
• Dental Resident/Fellow
• Doctor of Dental Surgery (DDS)
• Doctor of Veterinary Medicine (DVM)
• General/Specialized Surgeon
• Podiatrist (DPM)
• Pharmacist

Other Niches:

Investment 

second home 

home ready home possible 

conventional higher loan amounts pricing bonus 350,000 > 

best execution model 

Fnma 

Fhlmc 

reduced LLPA 

Overlay của lender

Overlays

Thời gian xử lý

Thẩm định ban đầu (ngày)

1

Xét điều kiện CTC (ngày)

1

CD ban đầu (ngày)

1

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