Mortgage Solutions

 

conventional

  • As Low as 3 to 5% Down Payment

  • 620 Minimum Credit

  • Non-Occupant Co-Signer Ok

  • Transferred appraisal OK

  • 1-4 Unit Properties

  • Primary, 2nd Home or Investment

FHA

  • 580 minimum Credit Score

  • 3.5% Down Payment

  • Primary Residence

  • 1-4 Units, Primary Residence Only

  • Loan amounts starting at $75,000

  • Non Resident Alien - OK

  • Non-Occupant Co-Signer Ok

VA Mortgage

  • 0 % Down

  • Primary Residence

  • 1-4 Units, Primary Only

  • 580 Minimum Credit Score

Reverse Mortgage

  • Home Equity

  • Jumbo Reverse

  • Home Equity 2nd

  • Reverse Purchase

Home Equity Loan

  • 2nd Mortgage Loan

  • Primary or Investment

  • 680 Minimum Credit Score

Home Equity LOC

  • Line of Credit

  • Full Doc Option

  • No Doc Option

  • Primary or Investment

Have a scenario you need to price out?

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NON QM LOANS

 

No Income Needed Program

  • Primary or 2nd Home

  • 680 Minimum FICO

  • 25% Down Payment required

  • 6 months reserves needed

  • No Income Docs needed

  • Gift Funds Allowed

Bank Statement Loans

  • Use 100% of Deposits on Personal Statements

  • Use Up to 85% of Deposits on Business Statements

  • Up to 90% LTV, Purchase & Rate/Term

  • Up to 85% LTV, Cash Out

  • Min FICO 600

  • Loan Amounts Up to $5,000,000

1099 ONLY

  • 1099 Only Income Qualification

  • No Other Income Doc Needed

  • Up to 90% LTV

  • 660 Min FICO

  • Up to $5,000,000 Loan Amount

DSCR Investor Loan

  • Only the Property Rental Income used to qualify

  • 1-4 Unit Family Properties / Condos Permitted

  • 85% LTV for Purchase and Rate/Term

  • 75% LTV for Cash Out

  • 620 Minimum Credit Score

  • Great for AIR BNB’s

  • Gift Funds Allowed

  • No Limit on Financed Properties

  • Title can be under an LLC

Construction Loan

  • 85% LTC

  • Up to $3.5 Million with Land and Construction

ITIN

  • Max LTV 75%

  • 600 Minimum FICO

  • Loans up to $2.5 Million

  • Primary Home Only

  • Up to 50% DTI

  • 1 Unit Properties Only

  • Purchase, Cash Out, & Rate and Term

Fix & Flip Loans

  • Up to 100% Financing on Fix and Flips

  • 100% LTV on Purchase

  • 100% on Rehab

  • Up to 70% ARV

  • Varies depending on Investor Experience

Have a scenario you Have Questions about?

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Who is Millenia Mortgage?

  • We are a Mortgage Broker working with many different Banks & Lenders to find our clients the best rates and loans

  • Over 14 Years Experience With Mortgages

  • Bilingual Broker: Fluent In Spanish

  • Experience Working With Realtors

  • Experience Working With Investors & Complicated Tax Returns

  • We have a Dedicated Team Ready To Assist You and Your Clients With Solutions To Your Problems.

  • Based out of Fullerton in Southern California, but we can do Loans in 44 states.