Raymond Leija Mortgage offers programs and pricing you and your clients will love. With processing, underwriting, and local appraisers that truly know our market. In addition, we have Aggressive Loan programs that you’d be hard-pressed to find anywhere else at very aggressive rates.
Options that allow for up to
Smaller down payments and expanded qualifying ratios.
We can lend down to a 500 FICO score on FHA.
Options that allow for as little as 10% down
Low rate options for loan amounts up to $3 million
Home Ready & Home Possible
97% financing with reduced mortgage insurance for qualified borrowers.
Financing for the construction of a new home with as little as
Zero Down Payment Options
0% down payment option for the first-time and repeat home buyers.
Common Sense Portfolio Programs
Flexible programs and options for loans that don’t fit “in the box”.
Non Warrantable Condominium
Financing for newer condo projects that do not meet conventional guidelines.
Financing for qualified borrowers who have had a financial hardship such as a short sale or BK.
NON QM Loans
Rather than using cash for a down payment apply it towards a lower interest rate and shorter loan term.
Streamline renovation loans that allow for the purchase and rehab for a home.
Home Equity Loans
Closed-end 2nd mortgages and lines of credit available as stand alone products or in combination with a 1st mortgage and a combined CLTV of up to 95%.
Home financing for established professionals for as little as 3% down without monthly mortgage insurance.
Practicing Physicians may qualify for $0 down and no mortgage insurance.
Downpayment Assistant Programs
Options available to assist with down payment and closing costs for qualified borrowers.