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* Purchases and
refinances to 95% of value
* Non-owner purchases and refinances to 90% of
value
* No seasoning required on discharged bankruptcy
* Super JUMBO loans to $5,000,000
* No mortgage late seasoning
* 90% cash out refinance
* 12 month bank statements (Same as Full Doc)
* 90% LTV on condo and two-unit properties
* 3-4 units to 90%
* Debt ratios to 55%
* No mortgage insurance, No impounds, No
reserves
* Up to 6% seller concessions allowed
* Interest only options on both Fixed and ARM
products
* Collections: No payoffs required if over 2
years old and not affecting title
* Qualifying of YTD income when pay stubs
reflect a minimum of 6 months earnings
* Payoff debt to qualify
* No Closing Cost Options
With easy approvals, more loan options and
responsive service, Oak Valley Mortgage clients
come FIRST!
Simple, flexible, hassle-free home loans
*Some restrictions may apply.
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