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Explore various loan program options for fixed and adjustable rate mortgages.
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As a self-employed small business owner, real estate investor, or entrepreneur, you legally maximize your tax deductions each year. So your tax returns don’t tell your real financial story and ability to repay a mortgage loan. As self-employed real estate investors ourselves, we understand. That’s why we offer Stated Income Mortgages and alternative ways to verify your ability to repay.
With a Bank Statement Loan, we don't even need your tax returns to qualify. Instead, we use anywhere from 3 to 24 months of deposit history, divide it in half to compensate for your expenses, and use the result to document your monthly income.
We won't even ask to see your tax returns. We'll simply add up the balances for all your liquid accounts like checking and savings accounts, brokerage accounts and IRA's. Based on your age and the amount held in retirement accounts, we can quickly determine if you qualify.
A No Doc Mortgage is a loan that requires no documentation of income or ability to repay. No Doc loans are sometimes known as a No Tax Return Mortgage or a No Income Verification Mortgage.
After the financial crisis of 2008, and the passage of the Dodd-Frank Act two years later, self-employed home loan requirements became much more stringent. Most self-employed people and real estate investors could no longer qualify for mortgages from traditional banks.
Unlike traditional banks, The de Courcy Group offers Debt Service Coverage Ratio (DSCR) loans for investment property mortgages. The DSCR formula is simple: as long as the rental income covers your debt service, you’ll qualify. And you can get 30-year fixed-rate loans from $150,000 to $30,000,000.
A bridge loan is a short-term loan used to purchase real estate, take cash out, fix it up, then quickly sell it for a profit once you've upgraded the property.
A Fix and Flip loan is a short-term loan used to purchase real estate, fix it up, then quickly sell it for a profit once you've upgraded the property.
A conventional loan is a type of loan that is not insured by the government. Conventional loans offer more flexibility and fewer restrictions for borrowers, especially those borrowers with good credit and steady income.
FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal down payment.
A No Tax Return HELOC is a loan that requires very limited to no documentation of income or ability to repay. No Doc loans are sometimes known as a No Tax Return Mortgage or a No Income Verification Mortgage.
A jumbo loan is a mortgage used to finance properties that are too expensive for a conventional conforming loan. The maximum amount for a conforming loan is $766,550 in...
The de Courcy Group is your go-to mortgage broker for a wide range of loan solutions. Whether you're looking for FHA, VA, Jumbo, Conventional, Commercial, Reverse Mortgage, Non-QM, or Bridge Loans, we've got you covered. Our team is dedicated to helping you find the perfect loan to meet your unique needs and financial goals. With a focus on personalized service and expert advice, we strive to make the mortgage process as smooth and stress-free as possible for our clients.
The de Courcy Group is committed to serving the diverse and vibrant community with top-notch mortgage solutions. Our experienced team understands the unique housing markets in California and is dedicated to helping clients navigate their options to find the best loan for their individual circumstances. Whether you're a first-time homebuyer or looking to refinance, were here to assist you every step of the way.
The de Courcy Group is proud to provide trusted mortgage services to the local community. With a deep understanding of available mortgage products, our team is well-equipped to help clients secure the ideal loan for their home purchase or refinancing needs. We prioritize clear communication and tailored guidance to ensure our clients feel confident and well-informed throughout the mortgage process.
The de Courcy Group is dedicated to supporting residents with their mortgage needs. Our knowledgeable team is committed to delivering personalized solutions that align with the ever changing real estate landscape. No matter what type of loan you are looking for, were here to offer expert advice and reliable support to help you achieve your homeownership dreams.
We are able to service the entire state of California and many other states. No matter where you are , The de Courcy Group is ready to assist you with your home loan needs. Contact us today to discover how we can help you secure the perfect mortgage solution.
The Loanzify App guides you through your mortgage financing and connects you directly to your loan officer and realtor.
9042 Garfield Ave., Suite 207
Huntington Beach, CA 92646
Phone: (714) 389-8750
dave@thedecourcygroup.com