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Loan Programs

97% Home Loan

  • Affordable 3% down payment - only 1% needs to be from your own funds and the balance can come from a gift or other sources

  • Less income required - expanded debt ratios make it easier to qualify

High Ratio Fixed Rate Loans

Allows borrowers with excellent credit but limited income to buy more house
  • 50% of your income to be used towards the housing debt when traditional lending guidelines allow about 30% of your gross monthly income to be used towards the housing debt

  • Available with as little as 5% cash investment
  • Affords the security of a fixed payment

Fixed Rate Mortgages

Is the right option for you if:
  • You want the certainty of a fixed principal and interest payment

  • Are on a fixed or tight budget
  • Believe interest rates will, or may go up
  • Plan on staying in the same home for a long term

Adjustable Rate Mortgages

This is the right option for you if:
  • You plan on moving or re-financing within 7 years of the mortgage transaction

  • Are confident your income will increase

  • Believe interest rates will stay the same or go down

Some of the many benefits of adjustable loans include the following:

  • You can save thousands in monthly payments over the first few years

  • Your payments are amortized over 30 years
  • With the lower interest rates it may be easier for you to qualify for a loan
  • The interest rate caps help keep payments within reach, if and when the rate adjusts upward
  • The rate is typically limited to a 1% or 2% change in either direction per adjustment, and a maximum of 6% over the life of the loan

No Cost Equity Lines

  • 100% maximum combined financing (100% of the value of the house, including the first mortgage)

  • We offer a full line of equity lines and second mortgages to meet almost all needs

Re-Finance, Including Re-Finance with Cash-Out

  • Pay off high interest rate credit cards - debt consolidation

  • Home improvements
  • Have additional interest deductions at tax time
  • Get cash for college
  • Fixed rate or adjustable rate programs available
  • 30, 20, 15, or 10 year terms

Lot Loans

  • Allows you to secure today's price on land even if you prefer to build at a much later date

  • Up to 80% financing

Construction Loans

  • Up to 95% financing

  • Equity in the land (if customer owns it with clear title) can be used for down payment and closing costs
  • Available in fixed or adjustable rates

Specialty Income and Credit Products

  • Self-Employed

  • Stated income
  • No income verification loans
  • No ratios
  • No cost loans
  • No documentation loans
  • No asset loans
  • Debt ratios up to 55%

Jumbo Mortgages

  • Jumbo mortgages are categorized as loans in excess of $333,700 for single-family residences

  • Available up to 4 million dollars
  • Construction, purchase, re-finance, or re-finance with cash-out

Investment Property

  • 1, 2, 3, or 4 unit properties

  • Up to 95% financing available

Property Types

  • Condominiums

  • Commercial
  • Apartments
  • Manufactured housing
  • Mixed use property

Multi-Family

  • 5+ units

Zero Closing Cost Loans

  • All closing costs are paid except pre-paids

  • To title costs
  • No appraisal cost
  • No underwriting fee
  • No document preparation fee
  • No fees of any kind
  • No pre-payment penalty
  • Loans for purchase or re-finance
  • 15 to 30 year owner occupied, fixed & adjustable rate loans
  • Minimum loan amount - $250,000

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1280 S. Victoria Ave. #180, Ventura, Ca. 93003
Phone: 805.650.4999 - Fax: 805.650.4997 - Email: CustomerService@LandmarkLender.com
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