1 year Tax Verification Program – Conventional
Self Employed,Wage Earners,Retired,Rental Property Owners
Non Occupant Co Signors for Owner Occupied Homes – Conventional and FHA
80/10/10 Loans with No MI – Conventional
One Loan upto 95% with Lender paid MI – Conventional
Loans upto 10 properties – Conventional
Cash Out 1 day after purchase – Conventional
Condos with less than 51% occupancy – Conventional
Condos with non structural minor litigation – Conventional
Ability to consider future income based on accepted job offers – Conventional
Large gaps in previous employment OK – Conventional and FHA
100% Gift Funds Acceptable for Conventional and FHA
DTI upto 50.99% OK for Conventional and 56.99% for FHA
Bankruptcy seasoning less than 2 years OK for Ch 13 – FHA
Streamlines with No Income and No Appraisal – FHA
Automatic and Manual Underwriting down to 580 Fico.Collections and Chargeoffs may not need to be paid – FHA
Half % down loans with 3 % second down payment assistance- FHA
Automatic and Manual Underwriting acceptable – VA
2nd VA loan available subject to guidelines
Jumbo options with 10% down
Upside down loans under HARP Conventional
We can use existing appraisals – FHA and Conventional
Garage Conversion OK – FHA and Conventional
Mixed Use property OK – FHA
5 Quick Ways to Connect immediately
- Send Direct Message on our Facebook page
- 24/7 Online Scheduling 15 minute phone call with Loan Officer
- SMS 925 268 0640
- Email: info@shiningstarfunding.com
- Toll Free Call 866 280 0020 (Between 09:00 am to 5 pm Monday to Friday)
Short Form : Complete a Short Form and receive a list of items needed to complete the processing of your loan
[FBW]