Residential Lending with Capital Lending Advisors, LLC
Property Types
Conventional Loans- Fixed Rate
Conventional Loan-ARM
Conventional -Jumbo
Alternative Lending
Rental Investors
First Time Homebuyers
Not So Great Credit
Property Types
Here are the property types we lend to:
- Single Family, Stick built
- Multi-Family, Stick Built
- Modular on Land (No Manufactured, these have a steel deck)
- Farms
- Condos
- Log Homes
- Vacation Homes
Conventional Loans- Fixed Rate
These are loans that most everyone can qualify for if you have good to great
credit and low debt and assets. Typically they are the best rates available.
This is one loan option we ALWAYS run for you for qualififcation.
Term: 30 years
Maximum Amount: $417,000
Rates Points APR
5.875% 0% 6.063%
- Great Rates and Fast Approval
- Requires some assests, ususally 2-6 months Principal/Interest
- Most everyone can qualify, but sometimes it is not the best option
- Can be paid off early without penalty
Conventional Loan-ARM
This has the same qualifiers as a Fixed loan. It helps to have good to great
credit, low debt and some assets. It is an option if you are living in the
home for a few years and want a lower rate.
Term: 30 years
Maximum Amount: $417,000
Rates Points APR
5.5% 0% 4.894%
- Living in the Home for less than 10 years? This is a good option.
- Many times it is a lower interest rate and payment than a fixed loan.
- Can be paid off at anytime with no penalty.
- Tons of different flexible options for short term needs.
Conventional -Jumbo
This is a for a loan above the Conforming limit with Fannie Mae at $ 417,000.
This is a good program for different borrowing options. (See below)
Term: 30 years
Maximum Amount: $999,999
- For borrowers with large loan needs than $417,000
- Many different options (Fixed, Variable,Payment Option,Balloon)
- Qualifications are the same as a conventional lending
- Advice - Look at as many options to meet your needs
- Usually a short prepayment penalty or none at all available
Alternative Lending
You want to talk about options? Well here you go, more than you can shake a
stick at. In the highlights we will give you a general idea of what is
available. This is a type of lending that requires an intervbiew to make sure
your needs are met. We always recommend a consultation, it's FREE!
Term: 30 years
Maximum Amount: $500,000
- Business Owners that do not report a profit (or a low profit)
- Commissed Salespeople
- Work from Home Spouses
- Not in a Traditional employment situation - but can provide cash flow
- Not a traditional house in a subdivision - needs are different
- Not so Perfect Credit - Not Bad Either
- Alternatives are usually for Borrowers who do not "fit in the box"
- We have 240 lending options, if we don't, we will find one for you!
Rental Investors
Rental Investors need options. We have different options to maximize cash flow,
get the capital you need and assit you in building a worthy portfolio of products.
Term: 30 years
Maximum Amount: $500,000
- Purchase Products: 100% LTV Available
- Cash Flow Analysis Available - We know the business
- No limit as to how many you own
- Perfect Credit is NOT needed
- Options, Options, Options, take a look at us, it's Free!
First Time Homebuyers
Get the home you want! Purchase options are readily available regardless
of credit situations. Don't let anything hold you back, we can help!
Term: 30 years
Maximum Amount: $417,000
Rates Points APR
5.875% 0% 6.063%
- FHA, VA, USDA Guaranteed, Conventional
- Alternative lending options
- Closing Costs can be paid by the seller or by assistance
- 100% options are used the most!
- No PMI options save you big
- 30 Days or less for closing
Get pre-qualified, for Free, and let's get you the the house you want!
Got to Apply Now!
E-Mail Ben Now
Not So Great Credit
If you have been denied credit - don't give up! We might be able to advise
you on what to do to help yourself. The difference with us, it is Free! Call
us today and let's to an analysis of your situation and come up with a plan
you can live with!
Many times a loan officer has not done their homework, or does not know the
lending business. Your denial may be becasue they did not know what to do.
I have seen this 100+ times in my lending career. Let us see what you need and
how we can partner with you.
Term: 30 years
Maximum Amount: $999,999
- Denials are Ok - Let us see what is happening
- Free Analysis and Plan to Help You!
- Bankruptcy is OK (Needs to be discharged), No Chapter 13
- Many times it is a fixable situation
- Confidential Interviews - No one but you and us will know!