AMERICAN APPLE MORTGAGE

Real Estate Sales

Residential ● Multi-Family ● Commercial

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213-380-5626
Office in Los Angeles

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American Apple Mortgage Loan Programs and Loan Options

 

Today there are many options to choose. Sometimes the differences are subtle but significant. We offer a variety of programs designed to meet your needs. This page provides, an overview.


•  FHA Mortgage                203K FHA
•  Conventional Loan         Construction Loan
 VA Mortgage                  Jumbo Loan
•  2nd Mortgage loan         Reverse Mortgage


FHA – Guarantees thru the Department of Housing and Urban Development, this mortgage requires as little as 3.5% down payment, and can finance “allowable” closing costs; and sellers can contribute as much as 3% of the Buyer’s closing costs.

203K FHA MORTGAGE – Similar to the FHA Program above but Buyer can finance improvements that are needed. One mortgage is given based on the value and the improvements up to 115% of the after value. The improvements must be over $5,000 and can be for repairs, a new kitchen, or bathroom, add a garage, etc.

CONFORMING LOANS – Regular conventional loans up to $625,000(loans over this amount are considered jumbo). Conforming loan in some cases can be up to 95% of the purchase price.

VA MORTGAGE – Guaranteed thru the Veterans Administration and the federal government, the loan can be up to 100% of the purchase price. The program is similar to the FHA program except it is available only to veterans of the armed forces.

JUMBO LOANS – Offers 30 and 15 year rates mortgage and competitive Adjustable Rate Mortgage products with no prepayment penalty.

CONSTRUCTION LOANS – Can be exacting and time consuming. With our loan, we can finance up to 90% of the cost of land plus the costs of construction. We can offer a one time fixed rate closing or the traditional ARM products.

REVERSE MORTGAGE – Those who are retired or on a fixed income get the monthly cash they need from the equity in the property. Call us today for information and details regarding this program.

2nd MORTGAGE – This mortgage which is 2nd behind the first mortgage can be obtained to get money for home improvement, debt consolidation, student loans, etc.


 

 

 

 

 

 

TRUST  SERVICE  HONESTY  - AMERICAN APPLE MORTGAGE

 

Buying a Home

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Refinance Investment Property

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Investor Purchase

 

• Loan Processing
• Equity Lines of Credit
• Refinance
• FHA
• VA
• Prime
• First Home Buyer
• Commercial Loans
• Apartment Loans
• Non Owner Occupied

 
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