2024 New Conforming Loan Limit is increased up to $766,550.00 Jumbo special 5/6 5.875% True No Doc program. Purchasing 1- 4 units. No Credit, No job/ income is required. 40% down 2 yrs of P&I deposit is required then no need to make mortgage payment for 2 years. Foreigners allowed (50%LTV) Bank Statement Loan: Industry's best rate-->6.875 No Income doc needed. Business owner is purchasing a primary home but the tax filed income is too low to apply for a loan? -Try our Self-prepared P&L program, 7 years fixed Rental property-->DSCR loan: True Stated (No income/No credit is needed) Primary Home ---> DSCR (Now available) CRA (moderate-income area) full doc. program rate starting 7.250% 5yrs fixed/ 20% down/ VOE/ LLPA waived/ Eligible address only (We will inform you in advance) New 2024 Conforming limit: $750,000 will be effective starting December. Super Jumbo up to 12 million with Easy doc. Foreign nationals allowed. From Start to Funding can be less than 14 days - Purchasing New Bank Statement or P&L Loan (No income docs needed). Only a business or personal bank statement for 3 months are needed. Only 1 year of Job history after graduation from college or vocational school is OK for Full Doc. The employment history gap of less than one year is OK for Full Doc with a good explanation letter. High balance loan up to $1,089,300 with 5% down purchase & refinance. All conventional loan programs have a 5% down payment available. FHA (3.5% down) / VA (0% down) All Portfolio programs with extended guidelines. ex) Jumbo DTI up to 50% Manufactured Homes: 30 years Fixed available Physician (doctor) loan with 5~10% down with NO PMI payment. VOE Program (No W2, No Paystubs or NoTax Return, No 4506C) 25% down with SFR & Condo. Jobs that receive cash tips (restaurant worker) perfectly work with this program. Approved States: AK, AL, AZ, CA, CO, CT, DE, DC, FL, GA, IL, MD, MI, MN, NC, NV, OR, RI, TN, TX, VA, WA, WI, UT, JIN KIM (213)700-7568 Mortgage Loan Officer RML/Q-West/ NMLS#1797070 6281 Beach Blvd. #214 Buena Park, CA 90621 jinkimbroker.wordpress.com