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100% financing:

• Guidelines*   (O/O = owner occupy;    N/O/O = rental - non owner occupy)
  

• O/O 100% Full Doc, 560 score

• O/O 100% Full Doc, Non Score Driven Product to 100% with 525 score! (TAP-USB)

• O/O 100% Stated Income / Verified Assets, 620 SCORE

• O/O 100% Stated Income / Stated Assets, 680 SCORE

• O/O 90% Stated Income, 580 SCORE

• N/O/O 100% Stated Income / Verified Assets, 720 SCORE

• N/O/O 95% Stated Income / Verified Assets, 620 SCORE

• N/O/O 100% Full Doc, 680 SCORE

• *Rates and APR subject to change because interest rates/APR and loan terms can and do change daily.

• Remember: no prepayment penalties on MN loans

• no source or seasoning requirements, no reserve requirements. (just state it, we don't verify) 

• Common Sense underwriting - we find ways to make deals work 
  currently less then 2 day underwriting turntimes 

• Up to 100% on rural properties (10 acres or less) 

• Traditional Alternative Non Score Driven loan to 100% with 525 score! (TAP-USB)

• No Seasoning on mortgage - up to 10% appreciation allowed next day

• No Seasoning on employment - (full doc Salary W-2 employees)

• 100% (one loan) Interest Only ARMS: No rate increase for jumbo loans or cash out and there isn't any PMI.

 
No Mortgage Insurance!

PRIME**

                *Add 0.50 for FTHB, Example assumes 2nd > 50K.  HELOC not available for FTHB.

*Rates and APR subject to change because interest rates/APR and loan terms can and do change daily.

A.S.A.P**

 *Rates and APR subject to change because interest rates/APR and loan terms can and do change daily.

TRADITIONAL ALTERNATIVE**

*Rates and APR subject to change because interest rates/APR and loan terms can and do change daily.

Possibly No Mortgage Insurance!

No Impounds.

**These rates are from August 30th, 2004.  Rates can and do change daily.