We make it easy for self-employed borrowers to qualify for a mortgage without any tax returns. What separates us from our competition is the diversity of our products, our rates, and our service. A reverse mortgage funds your retirement using your home's equity with NO MONTHLY PAYMENT. Since the beginning of my career, my philosophy has always been to do right by my clients.
Providing impeccable service has allowed me to excel as a mortgage banker. No matter the size of the loan or past credit history, I will always treat every one of my clients like family. We treat our clients like family. You are real people to us. We will never jeopardize your home, your family or your finances just to "close another deal". We have a wealth of information and experience that other mortgage companies cannot offer.
We will always be honest and upfront-we do not engage in the practice of offering teaser rates to get you in the door, and we always do the right thing. Licensed by the California Department of Business Oversight, Florida Office of Financial Regulation, New Jersey Department of Banking and Insurance, Pennsylvania Department of Banking and Securities, and Virginia Bureau of Financial Institutions.
Providing impeccable service has allowed me to excel as a mortgage banker. No matter the size of the loan or past credit history, I will always treat every one of my clients like family. We treat our clients like family. You are real people to us. We will never jeopardize your home, your family or your finances just to "close another deal". We have a wealth of information and experience that other mortgage companies cannot offer.
We will always be honest and upfront-we do not engage in the practice of offering teaser rates to get you in the door, and we always do the right thing. Licensed by the California Department of Business Oversight, Florida Office of Financial Regulation, New Jersey Department of Banking and Insurance, Pennsylvania Department of Banking and Securities, and Virginia Bureau of Financial Institutions.
Services
Kevin Danowitz began his mortgage career in 2003 as a loan officer at Chase Manhattan.
After Chase, he worked at a number of banks for over a decade.
He excelled as a mortgage loan originator, winning awards for top producers at every single company he was with.
Years of experience working at all types of mortgage lending institutions has made Kevin an expert in every mortgage product available.
However, his experience with other banks also revealed that the typical mortgage bank operates the same way-limited product offerings and inflexible approval process.
After Chase, he worked at a number of banks for over a decade.
He excelled as a mortgage loan originator, winning awards for top producers at every single company he was with.
Years of experience working at all types of mortgage lending institutions has made Kevin an expert in every mortgage product available.
However, his experience with other banks also revealed that the typical mortgage bank operates the same way-limited product offerings and inflexible approval process.
If you are looking for a 30 year mortgage term on an investment property without having to show income we have the products for you.
We represent many of the lenders specializing in no doc mortgage loans so we know where and how to get your loan done right and we make sure you have the absolute lowest rate available in the market today.
Only 3 months seasoning requirement on length of ownership for cash out or rate/term refi.
If you are self employed for at least 2 years.
We can use the gross deposits going into a business account or personal to calculate the income.
We represent many of the lenders specializing in no doc mortgage loans so we know where and how to get your loan done right and we make sure you have the absolute lowest rate available in the market today.
Only 3 months seasoning requirement on length of ownership for cash out or rate/term refi.
If you are self employed for at least 2 years.
We can use the gross deposits going into a business account or personal to calculate the income.
All mortgage companies want your business.
How do you choose?
What separates us from our competition is the diversity of our products, our rates, and our service.
We are the FHA experts, and we know credit.
We will navigate the extensive guidelines and work around them to get you approved down to 580 FICO!
If you have had some credit hiccups in your past and are now on track with no late payments (past 30 days from the due date in the last six months to one year), there is a good chance that we will be able to get you approved.
How do you choose?
What separates us from our competition is the diversity of our products, our rates, and our service.
We are the FHA experts, and we know credit.
We will navigate the extensive guidelines and work around them to get you approved down to 580 FICO!
If you have had some credit hiccups in your past and are now on track with no late payments (past 30 days from the due date in the last six months to one year), there is a good chance that we will be able to get you approved.
A reverse mortgage funds your retirement using your home's equity with NO MONTHLY PAYMENT.
When purposed the right way, it is an excellent tool to enjoy your retirement worry-free.
If you are 62 years old or older and would benefit from a lump sum of money, a line of credit to draw from as needed, a fixed monthly installment, or any combination of all the above, WITH NO MONTHLY PAYMENTS EVER, a reverse mortgage is the perfect product for you.
The most important feature is that it gives you the security of never being foreclosed on your home.
When purposed the right way, it is an excellent tool to enjoy your retirement worry-free.
If you are 62 years old or older and would benefit from a lump sum of money, a line of credit to draw from as needed, a fixed monthly installment, or any combination of all the above, WITH NO MONTHLY PAYMENTS EVER, a reverse mortgage is the perfect product for you.
The most important feature is that it gives you the security of never being foreclosed on your home.
Alt-doc loans are like a puzzle.
Unlike traditional or conventional government loans, where guidelines are about 95% the same from one lender to the next, all non-QM lenders have different.
There is a misconception that FHA programs are only for people with low income and bad credit.
That is not true at all! FHA loans are actually the most popular mortgage loan, and up to half of.
Income There are no guidelines for salary, but each lender will have their own rules for income.
Debt-to-income ratio is the key.
Unlike traditional or conventional government loans, where guidelines are about 95% the same from one lender to the next, all non-QM lenders have different.
There is a misconception that FHA programs are only for people with low income and bad credit.
That is not true at all! FHA loans are actually the most popular mortgage loan, and up to half of.
Income There are no guidelines for salary, but each lender will have their own rules for income.
Debt-to-income ratio is the key.
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