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Sarah N. Montes's Answers


what should my credit score be before a lender would loan me money
Our loan program is based on your ability to pay the loan, not on your credit.With our 5% Down and NO CREDIT CHECK program you will be APPROVED!We are Funding Now! Email us to set up an appointment for a quick application over the phone.FundingNow@Live.com
Help with getting a mortgage on a flipped property...
We can fund your purchase! We are not a traditional bank, we shouldn't have an issue.Contact us for the details.FundingNow@Live.com
First time home buyer with several questions in Seattle WA
Our lender is very flexible with DTI's, we can qualify you based on your income alone. We only require 5% Down at a 5% Int. Rate ~ Fixed @ 30 yrs.We are Funding Now! Email us to set up an appointment for a quick application over the phone.FundingNow@Live.com
How are high-priced homes financed?
We can finance a $2M mortgage loan with 10% Down and 5% Int.Rate!We are Funding Now! Email us to set up an appointment for a quick application over the phone.FundingNow@Live.com
Can I get no PMI with 10% down, or should I wait and save more to put down 20%?
Our loan terms are as follows:5% Down5% Interest30 Year FixedNO PMIPlease email me for more information and details.FundingNow@Live.com
Can I buy the house I lease??
You can qualify for a home loan you just can't use the credit the seller is giving you towards the house. Just ask the seller to reduce the sales price.
Equity line of credit on rental properties
I can help! No income needed. Contact me for details.
what is the standard waiting time for loan approval?
Hello Rose, Your loan officer can only be as efficient as you allow them to be. If you can provide your loan officer with all the documents he/she has requested within a 2-4 hour window, they should be able to get it done pretty quickly.My turn times right now are 48 hrs. with a complete loan application....
Family purchase/transfer of Property then refinance.
Do a Cash Out refinance so you can get a traditional mortgage loan. $50k minimum. Title company will help you with the correcting the deed into your name only.

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