Flexibility and Simplicity - Real Estate Mortgage Info - Suffolk New York Real Estate Listings - Homes for Sale - Home Buying - Home Selling Information

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A new breed of mortgage broker

Not every borrower has a perfect credit rating. At MortgageAmerica we work with you to determine your needs and what you hope to accomplish, then we tailor a loan to your specific financial situation. We don't expect all of our customers to fit into the same mold - we offer customized service and customized delivery.

Flexibility and Simplicity

Flexibility. Your needs are as individual as you are. When you come to MortgageAmerica, we offer the flexibility you need to meet your financial goals. We pride ourselves on this type of flexible planning because it allows us to customize loans for all types off borrowers. Whether you wish to purchase a home or refinance for home improvements, or to pay college tuition, you'll find the right loan at MortgageAmerica.
Simplicity. Going through the mortgage process can be very stressful. MortgageAmerica offers solutions that make it as easy as possible. Since the majority of our business is conducted via telephone, we are able to deliver solutions and savings to you without taking time out of your day for lengthy meetings. Even if you don't have an ideal credit rating, we'll ease you through the loan process as smooth as possible as if it were the picture of perfection.

Experienced Professionals

Every Loan Officer is highly trained and experienced in delivering customized solutions. At MortgageAmerica, you'll always get the friendly voice of a qualified Loan Officer or an experienced Loan Processor who's familiar with your loan.

So what can you do for me ?

• A to D credit

• Refinances, second mortgages and purchases

• Up to 90% LTV with 520 FICO scores on firsts

• Purchase Money Firsts Up To 90% LTV

• 80/20 refinance first mortgages. seconds up to 100% LTV

• B/C purchase 80%/5% own funds/15% owner carry back/seller concessions 6% (A &

D credit) C credit 10% down

• Lease with option and land contract can be treated as refinance after first year

• Limited DOC, No Income Verification, up to 95% (on exception basis)

• 106% Financing

• 80% LTV with 1 day bankruptcy discharge

• Condo up to 100% Loan to Value

• Non Owner Occupied up to 85%>

• Foreclosure Bailouts

• 1, 2, 3, & 10 Yr Adjustable Rate Mtgs

Partial Income Verification Loans

• Last six (6) months bank statements-average deposit

Stated Income Verification Loans

• For self-employed borrowers

• For borrowers that are paid cash

• For "stated W-2 wage earners"

24-Month Bank Statement Program Loans

• Average deposits for the past 24 monthsup to 90% LTV priced as a full doc

No Documentation Loan Requirements

• 1003 Loan Application

• Appraisal

• Title Policy

Commercial Loans Construction Loans FHA/VA Loans

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