The document provides information on various home loan options including conventional loans, jumbo loans, FHA loans, FHA Streamline loans, HomePath loans, Home Possible loans, DU Refi Plus loans, Freddie Mac Relief Refinance loans, and USDA/Rural Housing loans. Key details include eligible property types, loan amounts, borrower requirements, down payment options, and seller contribution limits for each loan program. Contact information is provided to learn more about home loan options.

1. THE AMERICAN DREAM:<br />HOME OWNERSHIP<br /> Contents: <br />Conventional Financing <br />Jumbo Loans <br />FHA <br />FHA Streamline <br />FHA Streamline 203k <br />HomePath <br />Home Possible <br />DU Refi Plus <br />Freddie Mac Relief Refinance <br />USDA<br /> <br />CONVENTIONAL LOANS <br />A type of mortgage in which the underlying terms and conditions meet the funding criteria of Fannie Mae and Freddie Mac <br />Purchase, Rate and Term Refinance and Cash Out Refinance <br />As low as 620 credit score<br />Us Citizen, Permanent Resident Alien and Non-Permanent Resident Alien<br />Home seller can contribute up to 9% for closing costs<br />Gifts are acceptable <br />Up to 95% Financing available<br />Up to 1-4 Units, attached or detached, PUDS, Approved Condos, Townhomes<br />No Prepayment Penalty<br />Call me today to learn more about your buyer’s home loan options! <br />Premier Mortgage Consultants <br />877-276-8323 Office <br />866-739-3020 Fax <br />www.floridalowestrates.com<br />JUMBO LOANS<br />A Mortgage Loan in the amount greater than conventional conforming loan limits<br />Purchase, Rate and Term Refinance and Cash Out Refinance <br />Loan amounts up to $2,000,000<br />As low as 700 credit score<br />Us Citizen and Permanent Resident Alien<br />One appraisal required on loan amounts up to $850,000. Two appraisals required anything greater than $850,000<br />Home seller can contribute up to 3% for closing costs<br />Gifts are acceptable up to $1,000,000 loan amount<br />Primary Residence only up to 1-2 Units, attached or detached, PUDS, Rural up to 10 acres<br />No Prepayment Penalty<br />Call me today to learn more about your buyer’s home loan options!<br /> <br />Premier Mortgage Consultants <br />877-276-8323 Office <br />866-739-3020 Fax <br />www.floridalowestrates.com<br /> <br />Government Loans may provide the help your homebuyers need!<br />If your buyer is a first-time homebuyer a government-backed home loan offering a low down payment with relaxed guidelines may provide the edge they need to get into a home. <br />FHA Loan (Federal Housing Administration)<br />Ideal for individuals who have little money for a down payment on a Purchase<br />As low as 640 credit score<br />No extra cash reserves are necessary and down payment can be a gift<br />96.5% LTV / 100% LTV with Up Front Private Mortgage Insurance<br />Home seller can contribute up to 6% for closing costs<br />No Prepayment Penalty<br />1-4 Unit Owner Occupied Properties, attached or detached, PUDS, Townhomes, Approved Condos<br />US Citizens, Permanent Resident Aliens, Non-Permanent Resident Aliens EAD required<br />FHA Streamlined 203K Loan - enables borrowers to finance the purchase or refinance of a home and the cost of its rehabilitation through a single mortgage.<br />Call me today to learn more about your buyer’s home loan options!<br /> <br />Premier Mortgage Consultants <br />877-276-8323 Office <br />866-739-3020 Fax <br />www.floridalowestrates.com<br />FHA STREAMLINE LOAN - can help homeowner’s lower monthly mortgage payments and interest rates.<br />Up to 97.75% LTV on a Refinance <br />As low as 640 credit score<br />No income<br />No paystubs<br />No assets required<br />No appraisal<br />1-4 Unit Owner Occupied Properties, attached or detached, PUDS, Townhomes, Approved Condos<br />US Citizens, Permanent Resident Aliens, Non-Permanent Resident Aliens EAD required<br />Primary Residence only<br />Existing mortgage must be FHA<br />No Prepayment Penalty<br />Call me today to learn more about your buyer’s home loan options!<br />Premier Mortgage Consultants <br />877-276-8323 Office <br />866-739-3020 Fax <br />www.floridalowestrates.com<br />FHA Streamline 203K Loan - enables borrowers to finance the purchase or refinance of a home and the cost of its rehabilitation through a single mortgage.<br />Up to 96.5% LTV on a Purchase <br />Up to 97.75% LTV on a Refinance <br />As low as 640 credit score<br />No extra cash reserves are necessary and down payment can be a gift<br />Home seller can contribute up to 6% for closing costs<br />1-4 Unit Owner Occupied Properties, attached or detached, PUDS, Townhomes, Approved Condos<br />US Citizens, Permanent Resident Aliens, Non-Permanent Resident Aliens EAD required<br />No Prepayment Penalty<br />Up to $35,000 in Renovation Cost for <br />Remodeling<br />New Kitchen<br />New Floors<br />New Bathroom<br />Inquiry today for more acceptable renovations!<br /> <br />Premier Mortgage Consultants <br />877-276-8323 Office <br />866-739-3020 Fax <br />www.floridalowestrates.com<br />HomePath<br />The HomePath is a conforming loan program specifically created to provide easy, affordable financing for Fannie Mae owned homes.<br />As little as 3% down payment is required<br />As low as 620 credit score<br />No Appraisal required<br />No Mortgage Insurance regardless of the loan to value<br />Home seller can contribute up to 9% for closing costs<br />Please visit www.homepath.com for a list of eligible properties<br />Primary Residence, Second Home and Investment Properties are eligible<br />No Prepayment Penalty<br />Call me today to learn more about your buyer’s home loan options!<br /> <br />Premier Mortgage Consultants <br />877-276-8323 Office <br />866-739-3020 Fax <br />www.floridalowestrates.com<br />HOME POSSIBLE – is a Freddie Mac Lending Program designed to meet the needs of low and moderate income borrowers.<br />As low as 620 credit score<br />Up to 97% loan to value on Purchase and Rate and Term Refinance Transactions<br />Up to 105% CLTV if eligible for a Affordable/Community Second<br />1-4 Unit Owner Occupied Properties, attached or detached, PUDS, Townhomes, Approved Condos<br />US Citizens, Permanent Resident Aliens, Non-Permanent Resident Aliens<br />No Prepayment Penalty

2. Up to 6% seller contribution

3. Gifts are accepted as reserve requirementsThere are additional flexibilities for borrowers who are full time employees in one of the following professions: teachers, firefighters, law enforcement officers, healthcare workers and military personnel, including members of the United States Army, Navy, Air Force, Marines Coast Guard and National Guard under the Neighborhood Solutions program.<br />Call me today to learn more about your buyer’s home loan options!<br /> <br />Premier Mortgage Consultants <br />877-276-8323 Office <br />866-739-3020 Fax<br />www.floridalowestrates.com<br />DU REFI PLUS - a Rate & Term Refinance program for loans already owned or guaranteed by Fannie Mae.<br />As low as 620 credit score<br />Primary Residence, Second Home and Investment Properties are eligible.<br />Up to 105% loan to value<br />1-4 Unit, attached or detached, PUDS, Townhomes, Approved Condos<br />US Citizens, Permanent Resident Aliens, Non-Permanent Resident Aliens EAD required<br />Existing subordinate financing must be re-subordinated<br />Mortgage insurance is not required if the existing loan does not have mortgage insurance in place, regardless of the LTV.

4. No Prepayment PenaltyCall me today to learn more about your buyer’s home loan options!<br /> <br />Premier Mortgage Consultants <br />877-276-8323 Office <br />866-739-3020 Fax <br />www.floridalowestrates.com<br />FREDDIE MAC RELIEF REFINANCE<br />A Rate & Term Refinance program for loans already owned or guaranteed by Freddie Mac.<br />As low as 620 credit score<br />Up to 105% Financing, CLTV unlimited<br />1-4 Unit Owner Occupied Properties, Second Homes or Investment Properties, attached or detached, PUDS, Townhomes, Approved Condos<br />US Citizens, Permanent Resident Aliens, Non-Permanent Resident Aliens<br />Existing subordinate financing must be re-subordinated<br />Mortgage insurance is not required if the existing loan does not have mortgage insurance in place, regardless of the LTV.

5. No Prepayment PenaltyCall me today to learn more about your buyer’s home loan options!<br /> <br />Premier Mortgage Consultants <br />877-276-8323 Office <br />866-739-3020 Fax <br />www.floridalowestrates.com<br />USDA / RURAL HOUSING – are offered through the Rural Housing Division of the US Department of Agriculture<br />As low as 640 credit score<br />Purchase Transactions are eligible up to 100% Financing plus 3.5% Guarantee Fee<br />Refinance Transactions are eligible up to 100% Financing plus 1% Guarantee Fee<br />1-4 Unit Owner Occupied Properties, attached or detached PUDS<br />Property must be located in a Rural Area http://eligibility.sc.egov.usda.gov<br />US Citizens or Permanent Resident Aliens<br />Mortgage insurance is not required regardless of the LTV.

6. Up to 6% seller contributions

7. Borrower may only own one additional property *The additional property may not be financed by RHS and it may not be located within a 50 mile radius of the new property being purchased.<br />Call me today to learn more about your buyer’s home loan options!<br /> <br />Premier Mortgage Consultants <br />877-276-8323 Office <br />866-739-3020 Fax <br />www.floridalowestrates.com<br />