---

On Line Purchase & Refinance Pre-Qualification 

No Ratio programs are not all created equal.  Call us to compare.

On these the income section of the application is left blank.  We don't ask.

95 LTV program allows 5% down purchase money or 95% LTV rate/term refinances with no seasoning requirement.

The most popular requires above average credit and offers the lowest rates .  There is a reserve requirement.  With superior credit the reserve requirement can be waived.  Rates are generally the same to 2% higher than the standard Fannie Mae rates depending on the discount points and other factors.

The others require average credit and do not have reserve requirements.  They are also known as NINA loans (No Income No Asset Verification).

There are loan to value and other restrictions on these loans, it is best to call the office or email with your situation.  We offer free phone consultation.