30 Year Fixed Rate Mortgage The 30 year fixed rate mortgage is one of the most popular and secure home loan options available, especially if you want your monthly payments to be low and never change. Apply now for a 30 year fixed rate mortgage. Start today by using our Online Mortgage Loan Application or if you are not sure which loan option is right for you, call us at 1-786-281-6472 and a home loan expert will be happy to help you.
Products
30 Year Fixed Rate Mortgage
15 Year Fixed Rate Mortgage
15 Year Fixed Rate Mortgage If you’re looking to save thousands in interest expense and you want to own your home quicker versus a 30 year fixed rate mortgage, a 15 year fixed rate mortgage could be good for you. Plus, your payment and interest rate will never change during the term of this mortgage. Apply now for a 15 year fixed rate mortgage. Start today by using our Online Mortgage Loan Application or if you are not sure which loan option is right for you, call us at 1-786-281-6472 and a home loan expert will be happy to help you.
Adjustable Rate Mortgage (ARM)
Take advantage of the lowest rate available with an adjustable rate mortgage! It’s a great loan option if rates are on the decline or you’re staying in your home for a short time. Apply now for your ARM. Start today by using our Online Mortgage Loan Application or if you are not sure which loan option is right for you, call us at 1-786-281-6472 and a home loan expert will be happy to help you.
FHA Loan
FHA Loan Offering loan flexibility and rate security if you want it, an FHA loan is an easy way to get a new home loan. Down payments can be as low as 3.5%. (APR 3.58%) Apply now for your FHA loan. Start today by using our Online Mortgage Loan Application or if you are not sure which loan option is right for you, call us at 1-786-281-6472 and a home loan expert will be happy to help you.
VA Loan
VA Loan With relaxed credit standards and low down payment options, the VA loan is geared specifically to help veterans and military personnel get a mortgage and own a home. Apply now for your VA loan. Start today by using our Online Mortgage Loan Application or if you are not sure which loan option is right for you, call us at 1-786-281-6472 and a home loan expert will be happy to help you.
Jumbo Loan
Jumbo Loan If your home loan amount exceeds the current conforming loan limit (in most cases $417,000), a Jumbo loan is likely a good choice for you. Jumbo loans can be of the fixed or adjustable variety. Apply now for a Jumbo loan. Start today by using our Online Mortgage Loan Application or if you are not sure which loan option is right for you, call us at 1-786-281-6472 and a home loan expert will be happy to help you.
Interest Only Mortgage
Interest Only Mortgage An interest only mortgage is great if you are interested in the lowest possible monthly payment for an initial period of time. Apply now for an interest only mortgage. Start today by using our Online Mortgage Loan Application or if you are not sure which loan option is right for you, call us at 1-786-281-6472 and a home loan expert will be happy to help you.
Foreign National Loans
We offer flexible mortgage options for non-U.S. citizens. At LC Lending Inc, we are deeply committed to our country and to helping non-U.S. borrowers who want to own a residence here. Our team of experienced international lending professionals can simplify the process for you, just as they have for many others from countries around the world. Up to 75% LTV No US credit required Fewer country restrictions DTI up to 50% considered Second homes and investment properties SFRs, townhomes, condos, 2-4 units No SSN or ITIN required 12 months reserves required Non-warrantable condos considered 7/1 ARM or 30-year fixed Loans up to $750,000 (minimum $75,000) Seller concessions to 2% Start today by using our Online Mortgage application or if you’re not sure which loan option is right for you, call us at 1-786-281-6472 and a home loan expert will be happy to help you.
Bank Statement Program
No tax returns required Bank statement deposits used to qualify 24 months personal bank statements Loans up to $2 million Credit scores down to 660 Rates starting in the 5’s Up to 85% LTV DTI up to 50% considered Owner-occupied, 2nd homes, and investment properties 3 years seasoning for foreclosure, short sale, BK, DIL Non-warrantable condos considered Jumbo loans down to 660 score 7/1 ARM or 30-year fixed No pre-payment penalty for owner-occ and 2nd homes SFRs, townhomes, condos, 2-4 units Seller concessions to 6% (2% for investment) Start today by using our Online Mortgage application or if you’re not sure which loan option is right for you, call us at 1-786-281-6472 and a home loan expert will be happy to help you.
Investor Cash Flow Program
No personal income used to qualify Qualification based on property cash flow 2 years seasoning for foreclosure, short sale, BK, DIL Credit scores down to 660 Rates starting in the low 6’s Up to 75% LTV No DTI restrictions Must have current mortgage 1-4 units and condos No limit on number of properties financed (5 with AOMS) Loans up to $1 million Seller concessions to 2% Start today by using our Online Mortgage application or if you’re not sure which loan option is right for you, call us at 1-786-281-6472 and a home loan expert will be happy to help you.
Portfolio Select
Rates starting in the low 5’s 2 years seasoning for foreclosure, short sale, BK, DIL Loans up to $2 million (higher with exception) Credit scores down to 640 Up to 80% LTV Combo loans up to 90% CLTV (min 680 score) 100% gift funds allowed DTI up to 50% considered Owner-occupied, 2nd homes, and investment properties Non-warrantable condos considered Jumbo loans down to 640 score 7/1 ARM or 30-year fixed No pre-payment penalty for owner-occ and 2nd homes Asset depletion available SFRs, townhomes, condos, 2-4 units Seller concessions to 6% (2% for investment) Start today by using our Online Mortgage application or if you’re not sure which loan option is right for you, call us at 1-786-281-6472 and a home loan expert will be happy to help you.
