Strategic Homeowner Solutions

Welcome to our business, where we specialize in providing a wide range of loan programs to cater to the diverse needs of our clients. With years of experience in the industry, we have built a reputation for delivering exceptional services and personalized solutions that help our clients achieve their financial goals.

Investment Property Loans

We offer investment property loans to investors who want to purchase or refinance an investment property without going through traditional underwriting. Our investment property loans include stated income loans, multi-family loans, fix and flip loans, equity loans, and bank statement loans. Our stated income loans are perfect for investors and self-employed individuals who do not want to disclose their income tax returns or other financial documents. We have a team of experts who are skilled in getting investors funded for stated income home loans quickly and efficiently.

Benefits of Stated Income Loans

Our stated income loans offer several benefits, including no income verification, no need for income tax returns, IRS form 4506t, business license, or CPA letter. We accept bank statements to ascertain cash flow and allow gift funds as part of the down payment for a purchase. Our stated loans fund faster than verified loans since they have fewer restrictions and offer fixed interest rates for 3 years, averaging 7% to 7.75%. There is no penalty for refinancing into another loan program after 3 years, and borrowers can borrow up to $2 million - very high loan limits.

How to Qualify for a Stated Loan

The key to qualifying for a stated loan is having enough money for a down payment or having enough equity for a refinance. Appraisals determine the value of the property, but the lender requires their own appraisal, and the values tend to come in at the low end of the spectrum. Our team is here to answer your questions and help you to get a stated home loan today. We will help you get a pre-approval within 24-48 hours on the very first call.

FHA Loans

Our FHA loans are a perfect choice if you have been denied a home loan due to credit or reserves. Our FHA loans offer lower credit score requirements, as the guidelines are generally more lenient than other loans. There is a 580 minimum credit score for FHA loan, which is much lower than the 700+ FICO score required for other conventional loans with higher down payments. Even if your credit history is poor, you may still be able to qualify for an FHA loan.

Benefits of FHA Loans

Our FHA loans offer several benefits, including government-insured or guaranteed down payment assistance programs available, low down payment requirement of 3.5% of the purchase price, gift funds can be used up to 100% of closing costs and down payment, FHA 203K loan (rehabilitation and repair included), additional loan for home repairing, and down payment assistance available to 103%.

Conventional Loans

Our conventional loans do not require the property to be occupied by the owner and offer multiple loan options that borrowers can access. There are also various down payment programs that are available for the borrower that can make the monthly payment lower, a key difference between FHA and a conventional loan.

Benefits of Conventional Loans

Our conventional loans offer several benefits, including no maximum loan limits, do not require the property to be occupied by the owner (great loan option for investors), quickest loan approval for a homeowner who wants to purchase a second home, various programs and terms available to meet each borrowers needs, and down payment assistance programs available.

Reverse Mortgages

Our reverse mortgages can help many seniors live a stress-free life after retirement. With several recent studies indicating that the harsh economic conditions have left many seniors struggling to pay their mortgages and keep up with property taxes and homeowners' insurance, our reverse mortgage news offers recognition that reverse mortgage loans are beneficial for many borrowers faced with the very real financial pressure of paying their mortgage and keeping up with all expenses and obligations.

Benefits of Reverse Mortgage Loans

Our reverse mortgage loans offer several benefits, including borrowing large sums of money without having to pay a monthly mortgage payment, staying in your home until you decide to move, sell or in the event of death a decision can be made to pay off the loan and retain the home for your estate, HUD Insured, no credit score requirement, and HARP Program.

HARP Loans

Our HARP loans offer several benefits, including no appraisal required, benefiting borrowers that obtained loans before the May 31, 2009 deadline, refinancing without equity, and home investment property loans stated income loans, conventional loan, FHA loan, mortgage calculators, privacy policy, earnings disclaimer, T&C, about us, and no copyright of Maxim Real Estate Group Inc. A Real Estate and Mortgage Brokerage: DRE 01947910 - NMLS # 1185929.