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

  • 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

HELOC and HELOAN

  • 2nd Mortgage Loan

  • Home Equity Line or Loan

  • Primary or Investment

  • 680 Minimum Credit Score

Business Owner

&

Self Employed Loan Products

P & L Only

  • Primary, 2nd Home or Investment

  • 660 Minimum FICO

  • Profit & Loss Statement used as Income

  • Gift Funds Allowed

Bank Statement Loans

  • Use Business Bank Statements as Income

  • Use Up to 85% of Deposits on Business Statements

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

  • Up to 85% LTV, Cash Out

  • Min FICO 660

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

  • 640 Minimum Credit Score

  • Great for AIR BNB’s

  • Gift Funds Allowed

  • No Limit on Financed Properties

  • Title can be under an LLC

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

Construction Loan

  • 85% LTC

  • Up to $3.5 Million with Land and Construction

Hard Money & Private Money Loans Available

  • Terms specific to each individual scenario

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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 15 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.

  • We work with over 56 lenders nationwide