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Whether you're buying your first home, moving to a new home, or refinancing
your present mortgage, First Rate Capital Mortgage Bankers
(DIRECT LENDERS) can help.
As one of the leading mortgage bankers in New York, First
Rate Capital has brought a wide variety of programs with competitive rates to your community for over 13 years.
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WE OFFER:
NEW
NEW
NEW
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- FREE & FAST PRE-QUALIFICATIONS
Full Pre-Approvals now available = Shop like a cash buyer
FAST Approval & Low Rates
- Fixed & Adjust. Rate Direct Endorsed FHA / 203K/ VA Programs
Allows 3 % Down Payments AND Up to 6% Sellers Concessions
100% gift allowed for down payment and closing costs
F-l-e-x-i-b-l-e on credit , Higher Ratios OK
- DIRECT UNDERWRITER (DU)- 24 / 48 hr. Commits. / Allows higher ratios/
Less paperwork / Can help avoid higher rate+ higher down payment NIC loans
- First Time Home Buyer Program / Community Home Buyer Program
- 100% Financing on Purchases (sfr’s, Owner-Occupied, Full Doc, Seller Contrib. OK)
- Constr. to Perm. Loan Prog., up to 90% LTV/ 80% NIC
- 95% Financing / Fixed up to $400,000
- 10/15/20/25/30 Yr. Fixed Rate Conventionals, Interest Only, & Jumbos
- 1/3/5/7/10 Yr. Adjustable Rate Conventionals, Interest Only, & Jumbos
- Option Arms - Offering 4 options - Min. Payment / Interest only / 30yr.pay / pre-pay
- Fixed & Adj. Rate Investor Program / 10% Full Doc. / 20% NIC
- CO-OP Financing, Fixed & Arms, 10% Down OK, NIC Avail.
- NO INCOME CHECK / NO ASSET CHECK SPECIALISTS
With as little as 5% Down!!! AND Seller concessions allowed
100% Financing-(NIC) With up to 6 % Sellers concession
No PMI / No 4506 / 1-4 Family OK on 90% LTV
- Cash Out Refinance Non-Owner Occupied ( 75% NIC/80% Full )
- Cash Out Refinance Owner Occupied ( 75% NIC/85% FHA / 95% Full doc. )
- SPECIAL 2 Family Program - ( Makes it easier for clients to qualify )
- Reverse Mortgage Programs- For Seniors, age 62 yrs& up / No Credit or Income check
- CREDIT PROBLEMS OK- In-House Dept, B/C Credit Financing Available
- HOME EQUITY LOANS- aka 2nd Mortgages(Fixed 2nds & Lines of Credit)
- Full Doc, No Income Check, Reduced Closing Cost programs, Loan Amt’s up to 100% CLTV / Can help clients avoid PMI
Plus Many Other Programs, Including:
- COMMERCIAL PROGRAMS- Multifamily, Commercial, Retail and Mixed use
- NO Document Loans!! Building Income / Expense & Credit Only!
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