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GEORGIA BAD CREDIT JUMBO MORTGAGE LENDERS

GEORGIA BAD CREDIT JUMBO MORTGAGE LENDERS

Georgia Mortgage Lenders.com has created the a post foreclosure program to assist Georgia homeowners that were caught in the storm of the global recession and subsequent mortgage crisis. We have all heard the saying that “bad things sometimes happen to good people.” No longer does a Georgia Mortgage Applicant have to wait 4 + years to buy a home after a credit event.

Move on from the past a Georgia Foreclosure and Buy Now! 

– Jumbo Mortgage Loans Up To $1 million (Over $1million Case by Case)
– Credit Scores Down To 500 (Including Jumbo loans)
– 1 Day Out Of a Georgia Foreclosure, Short Sale, BK, DIL
– Up to 85% LTV With No MI
– Mortgage Lates Are OK
– 100% Gift Funds Allowed
– 5/1 ARM Or 30-year fixed
– Seller Concessions To 6% (2% for investment)
– DTI Up To 50% Considered
– Owner-occupied, 2nd homes, and Investment properties
– Non-Warrantable Condos Considered
– No Pre-Pay Penalty For Owner-Occ And 2nd homes
– No Active Trade lines OK With Housing History
– SFRs, Townhomes, Condos, 2-4 Units
– Up To 100% Investor Concentration Allowed

JUMBO GEORGIA BAD CREDIT MORTGAGE LENDERS

GEORGIA JUMBO 15-30 YEAR FIXED LOAN PROGRAMS

For your traditionally qualified borrower, we offer dynamo FIXED rates on loans $417 – $3mil.

  • Primary and 2nd homes
  • SFR, Warrantable Condo, 2-unit
  • DTI to 45
  • First time home buyer to $1.2m
  • Cash Out OK!

GEORGIA JUMBO PORTFOLIO ARMS

For your not so traditional borrower… we have an “exceptional” PORTFOLIO capabilities!

  • Portfolio Lender: Manual Underwrites & Make-Sense Exceptions
  • Loan Amounts $300,000 to $5,000,000
  • Jumbo ARMs – 5yr, 7yr and 10yr ARMS
  • Interest only –  5/1 and 5/6 ARM

PORTFOLIO JUMBO GEORGIA ALLOWABLE INCOME

  • Unique Income Scenarios considered
  • Asset Depletion Loan Program: substantial liquid assets may qualify as income
  • Listed Properties: Properties listed for sale may be eliminated from DTI calc if certain criteria are met
  • Complex Tax Returns
  • Self Employed borrowers
  • Recent job/income change can be considered

PORTFOLIO GEORGIA JUBMO LOAN PROPERTY APPROVAL TYPES

  • Primary, 2nd, Investment properties: No Limits on Acreage
  • Condos and Condo-hotels (with full kitchen) (FL/AZ/NV = exceptions)
  • High land to home value
  • Hobby Farms
  • Other unique properties owned by sophisticated borrowers considered

GEORGIA JUBMO PORTFOLIO FEATURES- Vesting Title in Entities Program – LLC’s, Trusts, Partnerships & Sub S Corporations can hold title

  • Pledged Asset Loan Program – allowing 90% financing for sophisticated borrowers (flyer attached)
  • Listed properties may not be included in DTI, if file meets additional reserve requirement
  • Asset Depletion – helps borrowers qualify based on substantial liquid assets (flyer attached)
  • Foreign National loans – up to 50LTV. (flyer attached)
  •  Call or email me with your Jumbo scenarios today!

90% Jumbo Bad Credit Georgia Mortgage Lenders

Georgia Mortgage Lenders.com offers several jumbo home mortgage solutions for home purchase or refinancing first and second jumbo Georgia mortgages for loans up to (2) two million dollars. Our Georgia jumbo home mortgage solution allows you to and refinance your Georgia home and roll your high interest first and second mortgage loans into a new low rate jumbo Georgia mortgage. Finding a Georgia jumbo mortgage lender that offers bad credit jumbo programs is nearly impossible in today’s challenging secondary market. Georgia Mortgage Lenders has one of the last jumbo lenders offering bad credit Jumbo home loans in today’s challenging market-place.

Up To 90% Jumbo Bad Credit Georgia Mortgage Lenders

  • Loans to $2+ million (Ask for higher loan amount exceptions)
  • No mortgage insurance
  • Interest Only available
  • Up to 90% LTV/CLTV
  • Credit scores down to 500
  • No seasoning for foreclosure, short sale, BK
  • 24-month personal bank statement program for self-employed borrowers
  • Owner-occ, 2nd homes and investment properties
  • 24-48 hours in Underwriting