sfm preferred lender proposal
TRANSCRIPT
Presented by: Sergio Becerra
Loan Officer NMLS ID: 379772Southern Fidelity MortgageCompany NMLS ID: 118053
Preferred Lender Proposal
Objective
Consider a partnership
with SFM
Was your business affected by the mortgage meltdown?
Struggling to get prospective buyers back in a home?
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4.7 million potential homebuyers are not eligible to receive a conventional loan precluding them from attaining the “American Dream” of homeownership.
Foreclosure
Short Sale
Deed in Lieu
Loan Modification
Late payments on the mortgage
Roughly 7 million homeowners were
“impacted” by some sort of
housing event
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Mortgage Crisis
Underserved Qualified Borrowers
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Restrictive Credit Standards
Restrictive Credit & Underwriting Guidelines
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Dodd Frank Guidelines
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Let’s work together to bring homeownership back to deserving
borrowers.
Disciplined Credit Solutions
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Create More Opportunities
More Options
Increase Home Sales
Lead Your
Market
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Housing Events & Lower FICOs
Seasoning Requirements & FICOs
4 yrs. from event date 660 FICO
2 yrs. from event date 620 FICO
1 day from event date 580 FICO
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We Make it SIMPLE…
Millennial Buyers
We have solutions for…
Higher DTIs
Non-traditional Credit
Lower FICOs
Alternative Income Sources
ITIN’S with VISA or EAD
100% Gift from Family Members
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Homeownership Possible
1st Time Homebuyers
Investors with multiple properties financed or those seeking equity out of
properties purchased for cash.
Foreign Nationals with no US credit
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Premier Access Program
$100,000 to $2,500,000 Million From 660+ FICOs
10% Down Payment No Mortgage Insurance Asset Depletion allowed Restricted Stock Units allowed
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First Time Homebuyers
Rental History
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No Housing or Rental Payment History
Required
100% Gift Funds Allowed
Non Traditional Credit Allowed
Loans for Investors
• Borrowers may own an unlimited number of investment properties
• Non warrantable condos including condotels
• Delayed financing – pay cash for a property and recoup the purchase price utilizing a rate/term refinance
• Model Home Leasebacks – purchase the builder model and lease it back to the builder until the phase is closed out
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Foreign National Transactions
No US Visa Required
No US Credit Required
Second Home up to $2,000,000 Investment up
to $1,000,000
CondosWarrantable
Non-WarrantableCondotels
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What Can We Do For You
We Can
Show budget comparison
Rent vs. Own
Open opportunities
for buyers with housing events
Market your properties
Provide a prequalification
letter
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People First, Then Loans
Sergio Becerra | Loan Officer4730 S Fort Apache Rd, Ste 100, Las Vegas, NV 89147
Direct: (877) 559-5540 | Cell/Text: (702) 751-2225Email: [email protected] | Website: www.SergioBecerra.mortgage
Apply Now: www.GoSFM.com/SergioBecerra Like my Business Page: www.facebook.com/BecerraSergio
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Contact Me For More Information!