Tulare County Mortgage Services Inc. is a mortgage broker that has many options for loans. Listed are just some of the products that we offer. Call us for additional information.
Conventional
Conventional loans go up to a max of $766,500. They offer many great options including cash out up to 80% of the appraised value. These loans allow to get mortgage insurance removed once you drop below 80% of the value of the property which can save you a significant amount of money. Conventional loans also allows up to 10 properties to be financed. You are also able to buy a property for elderly parents or a disabled child as an owner occupied property. 1st/2nd combo’s to avoid mortgage insurance are allowed. Down payments as low as 3% are available.
VA/FHA/USDA
VA or FHA. A mortgage broker such as TCMS has a number of lenders and programs available to compare, and find the best loan, rate and term, based on your individual scenario. FHA is a 3.5% down loan. VA allows for no down payment. USDA with no down payment required.
DOWN PAYMENT ASSISTANCE PROGRAMS
Some down payment assistance programs are as follows: Calhafa, platinum, city assistance programs, etc. These programs allow you to get into a home with little to no down payment. Call for information.
Jumbo Home Mortgages
If you need a loan over $766,500, we can assist you with a jumbo loan. You can get a Jumbo loan up to 80% of the purchase price. You can get a cash out jumbo loan up to 80% of the appraised value up to 1.5 million with maximum cash out of $500,000. Call us for other max cash out options. You can rely on a TCMS loan officer to give you the dedicated and knowledgeable service you deserve, with fast pre-qualifications and a variety of options to meet you’re unique financial needs.
Private Financing
If you don’t fit into the cookie cutter loan, we have investors we work with for non-traditional lending. Give us a call – we still may be able to find financing for you.
Other Options
- Calhafa and platinum, city assistance
- Investor financing up to 10 loans or more
- FHA and VA loans
- FHA and Conventional rehab loans
- Manufactured Homes
- Construction to permanent loans (one loan)
- Investor stated income
- Bank statement loans