{"id":661,"date":"2015-06-12T09:53:43","date_gmt":"2015-06-12T09:53:43","guid":{"rendered":"http:\/\/teammovemortgage.com\/2014\/09\/15\/we-are-experts-at-so-many-types-of-mortgage-loans-that-we-are-the-swiss-army-knife-of-mortgages\/"},"modified":"2020-07-13T22:34:48","modified_gmt":"2020-07-13T22:34:48","slug":"we-are-experts-at-so-many-types-of-mortgage-loans-that-we-are-the-swiss-army-knife-of-mortgages","status":"publish","type":"post","link":"https:\/\/teammovemortgage.com\/blog\/we-are-experts-at-so-many-types-of-mortgage-loans-that-we-are-the-swiss-army-knife-of-mortgages\/","title":{"rendered":"We are experts at so many types of mortgage loans that we are the swiss army knife of mortgages"},"content":{"rendered":"
\"All
All types of mortgage loans<\/figcaption><\/figure>\n

Just in our office we see so many different mortgage scenarios and we have always taken pride in knowing a large array of mortgage products.\u00a0 We don’t just take the cookie cutter loans.\u00a0 We tackle the difficult situations for the good of our client and we make sure that the product our borrowers choose is a good fit for them.\u00a0 Below are examples of different mortgage loan types just from the months of August and September 2014 to show you what we mean, including: equitable distribution, construction perm loans with one closing, loans with no scores or just one score, tax credits, 100% loans, investment property, 2nd homes to 90%, extended rate locks, different types of PMI, low credit scores, higher debt ratios, etc.<\/p>\n

Here is a rundown of the loan types\u00a0provided through\u00a0our team (several of these types, we closed multiple ones):<\/h4>\n

2 – FHA purchases<\/a><\/span><\/em><\/p>\n

2 – 2nd home conventional purchases < 80% LTV<\/em><\/p>\n

VA<\/span> <\/a>purchase with one score<\/em><\/p>\n

Rate\/term 15 year refinance without escrows for taxes and insurance<\/em><\/p>\n

FHA<\/span><\/a> purchase where both borrower had only 1 credit score<\/em><\/p>\n

80% LTV investment property purchase<\/em><\/p>\n

$40,000 conventional loan (most lenders won’t lend less than $50,000)<\/em><\/p>\n

95.01% My Community Mortgage with reduced PMI<\/em><\/p>\n

FHA<\/span><\/a> purchase with a 56% debt ratio<\/em><\/p>\n

VA<\/span><\/a> purchase with husband overseas – Military\u00a0POA closing<\/em><\/p>\n

FHA<\/span><\/a> purchase with 581 credit score<\/em><\/p>\n

VA<\/span><\/a> purchase where one borrower had no scores<\/em><\/p>\n

5 –\u00a0Construction to Perm using appraised value 95% LTV<\/em><\/p>\n

Freddie Mac conventional loan with 6 month Extended lock <\/em><\/p>\n

95% Conventional purchase with split premium PMI (helped keep the debt ratio lower but keep cash to close down)<\/em><\/p>\n

2 – NC Home Advantage 97% conventional purchase with reduced PMI<\/em><\/p>\n

5 – USDA<\/span><\/a> purchase<\/em><\/p>\n

USDA<\/span><\/a> purchase with MCC tax credit (borrower only had one trade line on credit and no rent with a 680 score) Click here to see the Household Income Limits for the MCC Tax Credit<\/a><\/strong><\/span><\/em><\/p>\n

80% cash out refinance without escrows for taxes and insurance<\/em><\/p>\n

Construction to Perm one-time closing\u00a0using appraised value 90% LTV<\/em><\/p>\n

4 – VA<\/span><\/a> Purchases<\/em><\/p>\n

85% Rate\/Term Refi with single premium PMI to satisfy an equitable distribution<\/em><\/p>\n

3 – 95% Conventional purchase with monthly PMI<\/em><\/p>\n

2 – 90% 2nd<\/sup> home conventional purchase withmonthly PMI<\/em><\/p>\n

USDA<\/span><\/a> purchase with 1 credit score<\/em><\/p>\n

VA<\/span><\/a> Purchase purchase from family <\/em><\/p>\n

90% conventional purchase using gift of equity from parents (sellers) for down payment<\/em><\/p>\n

As you can see, we really work hard for our clients to know our products, know our clients, and provide great service on top of that.\u00a0 So Contact Team Move<\/span> <\/a>and give us your scenario and we will do our best to help you.<\/p>\n

Team Move\u00a0lends in\u00a0areas such as Wilmington, Leland, Hampstead, Jacksonville, Camp Lejeune, Whiteville, Shallotte, Southport, Elizabethtown, Lumberton, Fort Bragg, Pope Air Force Base, Fayetteville, Rockingham, Raleigh, Garner, Smithfield, Clayton, Goldsboro, Charlotte, Greensboro, Winston-Salem, Durham, Chapel Hill, Burgaw, Castle Hayne, Holden Beach, Supply, Ocean Isle Beach, Sunset Beach, Hubert, Tabor City, Carolina Beach, Kure Beach, Laurinburg, Topsail Beach, North Topsail Beach, Surf City, Sneads Ferry, Richlands, Wrightsville Beach, New Bern, Oak Island, Saint James, Wallace, Sanford, Pittsboro, Apex, Cary, Raleigh, Holly Springs, Fuquay Varina, Siler City, Southern Pines, Aberdeen, Pinehurst, Whispering Pines, Vass, Spring Lake, Fayetteville, Lillington, Hope Mills, Dunn, Angier, Smithfield, as well as the rest of NC.\u00a0 North Myrtle Beach, Myrtle Beach, Conway, Loris, Little River, Longs, as well as the rest of South Carolina and Virginia.<\/em><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Just in our office we see so many different mortgage scenarios and we have always taken pride in knowing a large array of mortgage products.\u00a0 We don’t just take the cookie cutter loans.\u00a0 We tackle the difficult situations for the good of our client and we make sure that the product our borrowers choose is […]<\/p>\n","protected":false},"author":2,"featured_media":1436,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[5,24,97,325,17,167,41,48],"tags":[25,26,27,28,29,31,32,9,241,390,10,12,165,13,310,18,311,20,42,44,47,103,49,21,139],"class_list":["post-661","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-1st-time-buyers","category-fha","category-interesting","category-pmi","category-products","category-success-stories","category-usda","category-va-loans","tag-fha","tag-fha-guidelines","tag-fha-home-loans","tag-fha-loan-calculator","tag-fha-loan-requirements","tag-fha-purchase","tag-fha-rates","tag-first-time-buyers","tag-gift-from-family","tag-gift-of-equity","tag-homebuyers","tag-lumberton-board-of-realtors","tag-mcc-tax-credit","tag-mortgage-faqs","tag-pinehurst-southern-pines-association-of-realtors","tag-realtors","tag-sanford-area-association-of-realtors","tag-team-move","tag-usda","tag-usda-home-loans","tag-va-home-loans","tag-va-refinance","tag-va-requirements","tag-wrar","tag-wrightsville-beach-nc"],"acf":[],"yoast_head":"\nWe are experts at so many types of mortgage loans that we are the swiss army knife of mortgages - 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