WELCOME TO RIVER DAVES PLACE

LOANLADY HERE!!!

traquer

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If a down payment is what is standing in the way of you purchasing a home, consider using your tax refund! Make 2021 your year by taking advantage of LOW rates and available low down payment options. Call me to discuss (909) 455-6271.
My company is a single-member LLC taxed as an S-corp. My company makes good money but sadly they doesn't pay me too well lol. Is this something you can help with? Or do I need to ask for a higher salary so I can buy something next year?
 

Wendi

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95 LTV Jumbo NASA.jpg

JUMBO to 95% LTV pretty awesome and competitive pricing. Primary residence only!
 

Wendi

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My company is a single-member LLC taxed as an S-corp. My company makes good money but sadly they doesn't pay me too well lol. Is this something you can help with? Or do I need to ask for a higher salary so I can buy something next year?
I'm sending you a message.
 

Wendi

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I do lot loans.

Minimum 35% down payment
2 year fixed amortized over 15 years - 5.25%
5 year fixed amortized over 15 years - 5.75%

Before the fixed period is up you can roll into our One-Time-Close Construction loan.
 

Wendi

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I do lot loans! Minimum 35% down with a 2 yr and 5 yr option amortized over 15 years.
Lot Loan Flyer Wendi Cook FINAL1024_1.jpg
 

Wendi

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Wendi FB updated NV 4-2021.png

I'm excited to announce I'm now lending in the great state of Nevada. If you are looking to purchase or refinance please do not hesitate to call or email. Thank you and Happy Desert Storm week!
 

Wendi

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renovation2.jpg


If the market is currently out of your budget, yet your needs have outgrown the house you’re in, it’s time for an upgrade! Not only does renovating make your home more livable, it also increases its value! So when you are ready to sell, you maximize your profits. Win, win! Contact me to get started today and discuss what our renovation loan program is all about 909-455-6271. I'm licensed in AZ, CA, NV and OR. #loanlady #renovationlender #fixerupper #academymortgage
 

Wendi

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HI EVERYONE WANTED TO SHARE THAT i'M NOW LICENSED IN OREGON. IF YOU ARE LOOKING TO PURCHASE OR REFINANCE PLEASE CONTACT ME! 909-455-6271
 

cakemoto

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I’m going to give you a call this afternoon when I get off work.I’ve been putting it off hopefully I haven’t waited too long
 

Wendi

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I’m going to give you a call this afternoon when I get off work.I’ve been putting it off hopefully I haven’t waited too long
Look forward to hearing from you!
 

Wendi

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THIS DSCR NO DOC INVESTOR LOAN IS HOT RIGHT NOW!

Did you know Academy offers an Investor Cash Flow program that qualifies the borrowers based on a rental analysis to determine cash flow? No employment and no personal income is needed to qualify! Meaning no tax returns and no job! This is a great program for investors,.

- Credit Scores to 640
- Up to 80% LTV
- Loans Up to $1.5 million
- Minimum DSCR 1.0
- NO DSCR With 700 FICO and 75% Maximum LTV
- Non-Warrantable Condos
 

hallett21

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THIS DSCR NO DOC INVESTOR LOAN IS HOT RIGHT NOW!

Did you know Academy offers an Investor Cash Flow program that qualifies the borrowers based on a rental analysis to determine cash flow? No employment and no personal income is needed to qualify! Meaning no tax returns and no job! This is a great program for investors,.

- Credit Scores to 640
- Up to 80% LTV
- Loans Up to $1.5 million
- Minimum DSCR 1.0
- NO DSCR With 700 FICO and 75% Maximum LTV
- Non-Warrantable Condos
PM sent


Sent from my iPhone using Tapatalk
 

Wendi

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Are you self-employed? I have a great bank statement program for you!
  • Loans up to $3 million with a minimum of $150,000
  • Minimum Fico 640
  • 12 months business or personal bank statements
  • Two years seasoning for foreclosure, short sale, bankruptcy or deed-in-lieu
  • Rates are 30-year fixed, up to 90% LTV with NO MI
  • Two years self-employed required
  • Borrowers can own as little as 50% of the business for business bank statements and 25% for personal bank statements
  • Purchase and cash-out or rate-term refinance
  • Owner-occupied, second homes, and non-owner occupied
  • 1099 option available
  • 40 year fixed interest only available
  • Most loans will be qualified on an expense factor of 50%. Companies with a lower expense factor will require a statement from a third party CPA or tax preparer. (Some industries with traditionally higher expense factors will be underwritten with a 70% expense factor.)
  • Non-warrantable condos allowed
 

Wendi

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Only 3% down on a new purchase! YES that is true.
Academy Mortgage’s Conventional 3% Down Program has a lower down payment than FHA financing and usually has lower mortgage insurance costs!

  • Gift funds allowed.
  • Closing costs may be paid by the seller, employer assistance, or with gift funds.
  • Eligible properties: Primary residence, one-unit only, including planned unit development (PUD) and Fannie Mae-eligible condominiums.
 

Wendi

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First-Time Homebuyer Quick Tips
Buying your first home is a big decision and can often be overwhelming, but don’t let that take away from the excitement of fulfilling the dream of homeownership.
This decision comes with many questions and concerns and Academy Mortgage is here for you every step of the way. Check out these quick tips to help along the way.

GET PRE-APPROVED*
This is one step you don’t want to skip! Know your price range before you go looking for houses. Contact your local Academy Loan Officer to get pre-approved.
CREDIT SCORE
If you don’t know what your current score is, you can request a free copy at annualcreditreport.com. There are loans available even with less-than-perfect credit.
DOWN PAYMENT
Most loans require a low down payment—others can qualify for $0 down. Use our tool to calculate your monthly payments based on your down payment..
A GREAT REALTOR MATTERS -
It’s important that you can trust your Realtor. Academy recommends Team RDP/EXP for their high standards of integrity.
 

Wendi

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Homeowner Tip!
Wildfires can happen anytime, anywhere. Creating a defensible space around your home can help slow or stop the spread of wildfire while protecting your home. To create a defensible space, remove all dead and drying weeds, grass, plants, shrubs, trees, and branches from around your home. You can also install hardscape like gravel, pavers, concrete, and other noncombustible materials around your property. #HomeownerTips #BeaHomeowner #FindYourPlace #loanlady
 

Wendi

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Is student loan debt holding you back from obtaining a mortgage loan? We have BIG NEWS! FHA has just updated their qualification requirements for student loans AND with proper documentation, we may not need to include it in your debt-to-income calculation at all! Your dream home could be within your reach and give you more purchasing power! Contact me today for more info! (909) 455-6271
 

Wendi

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Are you "liquid" asset rich, with no monthly income or employment? Our Asset Qualifier mortgage product is for borrowers to qualify using their liquid assets. We do not require employment, income, or DTI to justify the ability to repay the loan. This program allows for borrowers to qualify for larger loans easier!

Highlights include:

Loans up to $3 million, Minimum loan of $250,000
  • No employment, no income, no DTI
  • Rates are 30-year fixed, no pre-pay
  • Five years seasoning foreclosure, short sale or bankruptcy
  • Primary residence, purchase or refinance
  • Interest only program available
  • Non-warrantable condos allowed
  • All assets must be sourced and seasoned for a minimum of six months
 
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