Mortgage Broker Bill Rayman Explains His Mortgage Loan Programs

Conventional Home Loans

• Refinance up to 105% of appraised value with the new Fannie Mae DU Plus Program
• $417,000 mortgage loan limit
• Secured by government sponsored entities
• Purchase or refinance 1 to 4 family units

FHA Home Loans

• Insured by the Federal Housing Administration
• Low down payment on a new purchase 3.5 %
• Refinance up to 95% of your appraised value
• $100 down HUD home purchase program
• Streamline with no appraisal if you have an existing FHA loan

VA Home Loans

• ZERO down payment purchase program
• Forgiving credit requirements
• Administered by the Department of Veterans Affairs

USDA Mortgage Loans

• 100% Financing up to the appraised value
• NO private mortgage insurance
• NO limit on seller concessions and gifts
• Flexible credit qualifications
• No loan amount limitations
• Purchase Money Program

Credit Repair

• Learn the true cost of having a low credit score
• Expert advice on resolving outstanding credit issues
• No monthly fee