Gateway Mortgage Group

2009 Longwood Lake Mary Road 

Longwood, Florida 32750

(407) 321-4066 x101

APPLY ON-LINE AT:

www.GroupGateway.com

Gateway Title & Escrow Group

2009 Longwood Lake Mary Road 

Longwood, Florida 32750

(407) 321-4066 x103

www.GatewayTitleGroup.org

Gateway Real Estate Group

2009 Longwood Lake Mary Road 

Longwood, Florida 32750

(407) 321-4089

LINK: GatewayRealEstateGroup

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PROGRAMS

100% Financing

• Poor credit (FICO score as low as 550)
• Owner occupied.

100% Investment Property

• 100% full doc, first and second combo 680 score
• 100% first and second combo reduced doc 720 score.
• Purchase or refinance
• Single family residence only.
• 95% CLTV with a 660 score.
• 95% CLTV stated income with a 720 score.
• Low FICO score, non-owner available to 80% LTV.

103% LTV Purchase

• Primary residence only.
• Buyer may finance up to 3% of closing cost.
• Seller may pay up to 3% of closing costs on fixed rate.
• $300,000 maximum loan amount.
• Credit score at 700 or greater.
• Debt rations of 33/41.
• Conforming fixed rate or 3/1, 5/1 fixed to adjustable rate programs.
• Mortgage insurance required.
• Two months reserves after closing.
• Closing costs may be from borrower's own funds, gift, unsecured loan from a down payment assistance agency, or secured loan.
• Construction perm available or ARM's.

FNMA: No Money Down

• No down payment.
• Low Conventional rates.
• Buyer must contribute 3% of own funds to closing.
• 3% seller contribution allowed toward closing costs.
• Excellent credit report required.
• Gifts and unsecured grants allowed.
• Primary residence only.
• FNMA automated underwriting expanded, approval levels 1-3 accepted.

Interest Only First Mortgage

• Primary and Secondary homes.
• Up to $2 Million.
• Cash-out refinance available.
• 620 minimum credit score.
• Loan to values/combined LTV's to 95%.
• Minimal documentation available.

Commercial Mortgages

• Full doc or stated income.
• 30 year amortizations.
• $50,000 to $750,000
• Up to 80% LTV
• Multi-family, offices, retail strips, office warehouses, home to office conversion, mixed use.
• No upfront fees.

95% Nothing Verified

• State income, assets, employment on application (nothing verified).
• 640 minimum score.
• Credit score add-ons for down payment and with no past dues payments on previous mortgage.
• All property types.
• Quick approval and quick closing.
• Owner occupied and second homes.

95% LTV No Doc Loans

• Name, address, and social security number only.
• 620 middle credit score.
• Appraisal needed.
• Limited or impaired credit eligible.
• Payment shock flexibility.
• No I.R.S. forms.
• No income, assets, or employment documentation needed.
• Owner occupied or second homes.

The above listed program's are just a few of the many other programs I have available.  Please, call for further details and for more incredible information on the many other mortgage programs I have available.