At Best Flat Rate Mortgage, that is what we offer. I will take the time to educate you about all of your options as well as the mortgage process.

I will take you by the hand and walk you through the complicated maze that real estate financing has become. 

I realize that a mortgage will be arguably the largest financial and emotional transaction you ever make and I will treat you and your mortgage accordingly.

You may be asking yourself if this just applies to certain types of loans and the answer is no.

I offer the same great services and rates for Conventional Mortgages, FHA Mortgages, VA Mortgages, USDA Mortgages, Jumbo Mortgages & New Home Construction Loans!

If you have any questions or you would like to get pre-approved for a new mortgage, please feel free to fill out the form below or call us at (877)228-9069

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This unique Jumbo Mortgage Loan offers one thing that you’ll be hard pressed to find anywhere else and that is financing up to 90% of the appraised value even in a declining market! That’s right, this program is available in declining markets like , Nevada, Arizona, California and Florida to name just a few.

This program does require Private Mortgage Insurance for any loan over 80% of the appraised value but it is possible to add a second mortgage to avoid the Private Mortgage Insurance.

We offer this Jumbo Mortgage with the following terms:

3/1 ARM

5/1 ARM

7/1 ARM

30 Yr. Fixed

15 Yr. Fixed

Here a few of the guidelines for this Jumbo Mortgage Loan.

* Maximum DTI (debt to income) ratio is 40%

* Cash-Out – Maximum of  75% LTV

* No Power-of-Attorney if doing a Cash-Out refinance

* Escrows Required – Escrows waived as an exception with .25% fee

* Self employed borrowers must have 2 yrs. Business & Personal Tax Returns including all schedules.

* Reserves – Minimum of 12 months non-retirement PITI for Jumbo loan amounts up to $1,000,000.

* Reserves – Minimum of 24 months non-retirement PITI for Jumbo loan amounts over $1,000,000.00.

* Mortgage Insurance Required for loans over 80% loan to value.

If you have any questions or you would like more information about this great Jumbo Mortgage Loan program, please feel free to fill out the form below or call us at (877)228-9069

Please remember to check your spam folders for important emails from us!

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