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Mortgage Loan Programs

96.5% Home Loan

  • Affordable 3.5% down payment - all can come from a gift

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

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 5 years of the mortgage transaction

  • 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

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

Specialty Income and Credit Products

  • Self-Employed

  • No cost loans
  • No asset loans

Jumbo Mortgages

  • Jumbo mortgages are categorized as loans in excess of $598,000 for single-family residences in Ventura County

  • Available up to 4 million dollars

Investment Property

  • 1, 2, 3, or 4 unit properties

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

  • No 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

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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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