Tag Archive for: home financing

Its So Nice to Offer a Plethora of Lending Products…

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It’s so refreshing to offer lending products, I wasn’t able to provide at a previous company.

These include:

  • Bridge Financing that’s Less Expensive (See Article/Info on Product)
  • Doctor Program at 0% Down up to $2m in loan amount (See Article/Info on Product) Doctors, Dentists, PharmD and Nurses that are CRNA qualify for the program.
  • Reverse 2nd’s that allow a homeowner to keep their current first mortgage (See Article/Info on Product)
  • Traditional Reverse Mortgages that pay off debt and/or a mortgage and allow the client to obtain a HELOC they can draw on in the future with no mortgage payment. (See Article for More Info)
  • DSCR program where the client does not need to show tax documentation, when needing rental property financing.

In addition, I can now provide the following:

  • Competitive Rates on Delayed Financing / Cash Recoup Loan Program where a client paid cash for a home that wanted a portion of his cash back after closing.  We just closed that refinance and this is what the client shared with me… “I have to say that this process was remarkably easy.  I expected it to have a certain amount of pain, but it was incredibly smooth.  Thank you for all your help!  I’ll definitely recommend you to others!”
  • Purchase Loan Closings in 15 days from start to finish.

In closing, I specialize in:

  • Residential and Commercial Financing
  • SBA and Construction Financing
  • Reverse Financing, Bridge Financing and Hard Money

Let my 30+ years of lending experience and access to over 30 banks guide you when it comes to anything real estate or financing related!

Best Regards,

Rob McCarthy
Senior Mortgage Advisor
https://www.101loan.com
650-465-8957 c  rob@101loan.com
CA DRE #01165697 NMLS #121019
101 Loan – 99 South Almaden Blvd, # 600. San Jose, CA 95113

Note:  Rates and fees and programs are subject to change without notice or until locked and approved by the lender.

 

How to Make a Strong Offer in Today’s Market

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Are you a Buyer that Keeps Getting Beat on Offers? 

Here is what we do to differentiate your offer over someone else’s, so the seller more often than not, accepts your offer:

  1. We pre-approve you, by running your credit, verifying your income via pay stubs and tax returns, confirm your assets with 2 months of bank statements and review your file to ensure there are no red flags so when you do make an offer, you make it with confidence knowing that 101 Loan has your back!
  2. We will strategize with you and your Realtor, to close in the quickest amount of time with the least amount of contingencies while keeping your risk as low as possible.
  3. At time of offer, we call the listing agent on behalf of you and your Realtor to differentiate your offer over someone else’s. (This makes the biggest difference in the eyes of the listing agent and seller)
  4. We close purchases in 30 days or less, depending on the loan program you choose.  Faster is better in the eyes of the seller!
  5. Our staff provides a timeline to you and your Realtor once you are locked; detailing each step of the transaction to ensure a smooth transaction.
  6. We ensure you know exactly what the loan will cost you once locked and then update you again on the amount needed to close, prior to signing the closing docs.
  7. Our staff will coordinate your sign-off with escrow and your agents to ensure your purchase closes on time as scheduled.
  8. We basically, “micro-manage” your purchase from start to finish to ensure everything goes as smoothly as possible.

Just watch the video, our buyer’s recently posted about their experience in working with us.  We were a team to get the job done in a timely manner while providing low rates, low fees and outstanding service.  See video at https://www.youtube.com/watch?v=vEhLPDd7sjA&feature=youtu.be.

In closing, if you are looking to purchase a property, contact the professionals at 101 Loan!

Best Regards,

101 Loan

Senior Mortgage Advisor

www.101Loan.com

408-377-4123 o  650-465-8957 c   408-608-1921 f

101 Loan – 1601 S De Anza Blvd, Suite 260, Cupertino, CA 95014

CA DRE #01205444  NMLS #326829

Products/Services/Accolades:

  1. Residential Financing for Purchases and Refinances on 1 to 4 unit properties.
  2. Reverse Mortgage Financing to include Conforming, Jumbo, HELOC Jumbo’s.
  3. Commercial & SBA Financing to include Multifamily, Office, Retail and Light Industrial.
  4. Access to over 50 banks with over 200 “Five Star” Reviews on Yelp, Google, Facebook and Linkedin.