Discover Our Mortgage and Loan Products

Investment Property Fixed Rate Loans

Our investor loans are designed for borrowers seeking a mortgage for an investment property. Investment Property mortgage loans are also called DSCR loans (Debt Service Coverage Radio). The DSCR or Investment Property loan program qualifies borrowers based on cash flows from the subject property and is designed for both experienced real estate investors and first-time investors provided certain qualifications are met. The property’s cash flow is utilized for investment properties in lieu of conventional methods. Below are some highlights of this program:

• Qualify based on cash flow of the subject property
• Single Family | 2-4 Units | Warrantable and Non-Warrantable Condos
• FICO as low as 660
• Qualify for an I/O loan using I/O payment
• Loan amounts up to $3 Million
• Borrower can own unlimited financed properties

Apply Now or Call us for Details! (866) 708-5626

Bank Statement Fixed Rate Loans

Our bank statement loans are designed for borrowers who are self-employed and would benefit from alternative loan qualification methods. This program provides alternative approaches to document the borrower’s ability to repay the loan. Deposits on the borrower’s bank statements (personal and/or business) are used to document income as an alternative to W2s or tax returns. Below are some highlights of this program:

• 24 months of statement options
• No tax returns
• Loan amounts up to $3.5 Million
• FICO as low as 640
• Gift funds allowed for reserves
• Primary, Second Home, Investment Properties

Apply Now or Call us for Details! (866) 708-5626

Conventional Fixed Rate Loans

Our Conventional Fixed Rate Products are designed with the requirement of full documentation of income, assets and credit. Conventional Qualified Mortgages are backed by government-sponsored entities (like Fannie Mae and Freddie Mac) so they typically have interest rates that are lower than alternative documentation mortgage loan products. You may chose an interest rate and term that remain fixed for the life of the loan. We will help you decide how to structure your loan so it fits into a budget you can afford. Below are some highlights of these programs:

• DTI of less than 50%
• FICO as low as 620
• Cash-out permitted
• Single family dwellings, condo, townhomes and 1-4 multiunit properties
• Conforming loan amounts up to $806,200
• High balance Conforming loan amounts up to $1,209,750 in certain counties

Apply Now or Call Us for Details! (866) 708-5626

FHA Fixed Rate Loans

FHA loans are government-backed mortgages insured by the Federal Housing Administration(FHA). FHA loans exists to help people with home financing. The loan programs permit smaller down payments to assist with first-time ownership and permitting lower credit scores than conventional mortgage loans. Not everyone qualifies for a FHA loan. If you have any questions, give us a call or open up a chat. Below are some highlights of this program:

• Good for first time home buyers
• Higher debt-to-income ratios allowed
• FICO as low as 500
• Down payment of 3.5% required for purchases

Apply Now or Call us for Details! (866) 708-5626

Home Equity Line of Credit (HELOC)

A home equity line of credit, also known as a HELOC, is a line of credit secured by a borrower’s home that gives them a revolving credit line. It is a second mortgage designed for homeowners who want to borrower money against the equity they have built up in their home without touching their primary mortgage. There is a set period where the line of credit may be accessed called the draw period, 10 years for this product offered. The remaining term will be fully amortized payments. If principal payments are made during the draw period, the borrower still has access to the full line of credit during the draw period. Below are some highlights of this program:

• Minimum FICO score of 640
• Minimum line amount $25,000
• Maximum line amount of $500,000
• 10-year interest only draw period

Apply Now or Call us for Details! (866) 708-5626

ITIN Loans

ITIN (individual taxpayer identification number) mortgage loans are designed for individuals living and working in the US without a Social Security number. Lenders use the borrowers individual taxpayer identification number (ITIN) in leu of a Social Security number to help identify and qualify the borrowers. Below are some highlights of this program:

• Borrower(s) must show sufficient income
• Must be consistently employed for at least 24 months
• For primary residence only
• Available for both purchase and refinance
• Gift funds allowed for purchases
• Minimum loan size $100,000

Apply Now or Call us for Details! (866) 708-5626

Jumbo Fixed Rate Loans

CashCall Mortgage's Jumbo Loans are designed to help you purchase or refinance a home that is outside of standard lending limits. The standard lending limits are $726,200 as of 1/1/2023. Jumbo mortgages are available for primary residences, second or vacation homes, and investment properties.

• Qualify based on cash flow of the subject property
• Refinance, Primary Residence, Second Homes, and Investor Properties
• FICO as low as 680
• Loan amounts up to $3 Million
• 4 years since bankruptcies

Apply Now or Call Us for Details! (866) 708-5626

VA Fixed Rate Loans

VA Loans service veterans, services members and surviving spouses to purchase a home and refinancing a current mortgage. VA guarantees a portion of the loan, enabling the lender to provide you with more favorable terms.

Apply Now or Call Us for Details! (866) 708-5626