Mr. Mortgage, Jim Pendleton, is here to help, all calls held in strictest Confidence. ...CALL TODAY!!!

"Mr.Mortgage" Jim Pendleton senior loan officer for Financial Services of America, a direct lender Nationally Licensed in all 50 states, is at YOUR service.

There are many other types of mortgages for different situations besides those listed here, we have over 1400 Mortgage Programs so call for your special situation of interest to you.

See below, a PARTIAL list...

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• JUMBO Mortgage Loans
  
  

  Single family homes over $300,000 mortgage needed ... see chart

• INTEREST ONLY Mortgage Loans
  
  

  Extremely Low initial payment, first 5 or 10 years, then P and I start.

• STEP DOWN Mortgage Loans
  
  

  Lower Initial payment, fixed product, you know when rate will increase, good for first time buyers, you qualify based on initial lower payment rate ...

• Standard Conforming Mortgage Loan Maximums
  
  

  Minimum 50,000 Max single family $322,700; 2 family $413,300; 3 family $499,300; 4 family $620,500

• NO INCOME - NO ASSET Mortgage Loans

  This is where the mortgage purchaser doesn't ask your income or how much you have in the bank, this program requires good to very good credit, and employment is still verified but no income questions are asked.

  
  
  
• FIRST TIME BUYERS W/ MINIMIUM/NO DOWN PAYMENT Mortgage Loans
  
  

  We have many programs for first time buyers that allow 103% financing. Which means You can put 3% down, and we give you the money put down can be used to cover closing costs, as well as the seller "chipping in" another 3% above the purchase price of the property.

• FHA Mortgage Loans
  
  

  FHA stands for Federal Housing Authority, which administers and guarantees these loans. We are one of the largest producers of these loans and can guide you into which program is best for you. They are full income full asset loans and will do fair credit as well as discharged bankruptcies, and have standard rates for sometimes below standard credit with a legitimate reason for the problem, and the problem has been taken care of.

• FHA Streamline Mortgage Loans
  
  

  This program reduces the current rate you are paying on your existing FHA loan, with no appraisal or income check.Any costs paid from proceeds, no out of pocket required

• VA(Veterans) Mortgage Loans




VA (Veteran Administration) Mortgages are for all who have been honorably discharged and have many special benefits such as .......

• SONYMA Mortgage Loans




SONYMA (State of New York Mortgage Agency) Fixed Mortgage. You may qualify for a larger mortgage with less income, and get the home of your dreams now! First time buyers only, rates as low as 4.75% fixed. There are income and mortgage ceilings and purchase price limits. Low interest rates are fixed for the term of the loan and the down payment must be 3% or greater. In the event the residence is sold within the first ten years, there can be a prepayment penalty and equity sharing associated with this type loan. PMI (Private Mortgage Insurance) is required if the equity down payment is below 20% We are a direct underwriter..

• FIXED RATE 10 Years




A shorter rate with usually lower rates than 30 year programs ...

• FIXED RATE 15 Years




A shorter rate and a standard term with usually lower rates than 30 year programs ...

• FIXED RATE 20 Years




A shorter rate with usually lower rates than 30 year programs ...

• FIXED RATE 25 Years




Used mostly for re-finances when lower rates make payment sense, since you are eliminating years off your payment and still have a lower payment than the current 30 year program you have...

• FIXED RATE 30 Years




A basic product that fits most budgets ...

• FIXED RATE 40 Years




Designed for the situation when a slightly lower payment will make your dream house a reality ...

• ADJUSTABLE RATE 15 Years




Usually lower start rates and historically lower than most fixed rate programs...

• ADJUSTABLE RATE 30 Years




Usually lower start rates and historically lower with longer payback period than most fixed rate programs...

• CONSTRUCTION
LOANS with fixed or adjustable rate mortgage take-out



CONSTRUCTION LOANS with fixed or adjustable rate mortgage take-out We have a variety of programs, including our most popular consumer program with only one closing and lower rate option ...

• EQUITY
LOANS



Commonly referred to as HELOC loans (Home Owner Line Of Credit) as well as Fixed Lines ...

• INVESTOR
LOANS



We have special investor programs for owners of large amounts of properties ...

• COMMERCIAL
LOANS



ALL Types considered $100,000 and up NO Limit ...

• MULTI-FAMILY
MULTI-FAMILY LOANS



Specially designed package 2 to 4 units and mixed use financing available ...ALSO apartment and high-rise funding available...

• CO-OP Mortgage Loans
  
  

  CO-OP (Cooperative Units) require special funding, which we are one of the largest funders in the USA, since you don't own your property, You own shares of stock distributed based on the value of your apartment ...

• First Lien or Second Lien LOANS
  
  

  First and Second Liens (mortgages) come in many different types and we have them all ...

• CONDO LOANS
  
  

  Condo funding requires additional stipulations that we are specialists in and have the most competitive rates available ...

& MANY MORE, CALL FOR THE LATEST PROGRAMS!

• 1-631-451-7400 Live 1-631-451-7400
• 1-631-451-7400 Toll Free
• 1-866-875-6273 FAX
• Call me today - Jim Pendleton - I can Help, call NOW!

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