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RESIDENTIAL LOAN PROGRAMS

INDEX

Residential Mortgages

CONVENTIONAL MORTGAGE

FHA

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Stanford Funding

FHA Products

Purchase

Great Rates

As little as 3.5% down payment

99.5% CLTV with FHA approved "Community Seconds"

FHA 203k (Full & Streamline)

Mortgages with as low as 580 credit scores

No credit score / 1 score program

Higher "Debt to Income" programs

Even better rates for those with 740 credit score or higher.

HUD $100 Down program

Good Neighbor Next Door program

Manufactured Home program

High Balance FHA program

Refinance

"Rate & Term Refinance" up to 97.75% of the FHA appraised value of your home

No Appraisal required on current FHA loans.

"Cash Out Refinance" for Home Improvements to 95% of FHA Appriased "After Completed Value"

"Cash Out Refinance" for any reason up to 85% of FHA Appriased Value

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CONVENTIONAL OO

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Stanford Funding

Owner Occupied Conventional Products

Purchase

Great Rates

As little as 5% down payment

95% CLTV with 1st and 2nd combo with No Mortgage Insurance

Fannie HomePath (money assist in fix up and repair to your home on qualifed homes only)

Even better rates for those with 740 credit scores or higher.

Credit scores down to 660

Stanford Funding's "$1000 on time closing guarantee"

Refinance

Great Rates

"Rate & Term Refinance" up to 120% LTV of the appraised value of your home. (Even if you have a 2nd mortgage)

Appraisal waved on certain homes- call for details

"Cash Out Refinance" for Home Improvements to 95% of Appriased "After Completed Value"

Cash Out refinance for any reason up to 85% of Appriased Value

NON OWNER OCCUPIED CONVENTIONAL LOANS

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Conventional NOO

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Stanford Funding

Non-Owner Occupied Conventional Products

Purchase

Great rates

As Little as 20% down payment

1-4 Units

Multi Family (5 units plus)

Better rates for those with 760 credit scores or higher.

Credit scores down to 680

Up to 10 Properties Financed

Stanford Funding's "$1000 on time closing garantee"

Refinance

Great Rates

"Rate & Term Refinance" up to 115% LTV of the appraised value of property with No Mortgage Insurance (even if you have a 2nd mortage)

Appraisals waved on certain homes- call for details.

Cash Out refinance for up to 70% of Appraised Value.

Hard Money Non Owner

Owner Occupied Conventional

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Jumbo Loans

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Stanford Funding

Jumbo Products

Jumbo Purchase

Great Rates

As little as 10% down payment

80% first / 10% 2nd with no Mortgage Insurance

Better rates for those with 760 credit score or higher.

Credit scores down to 680, lower with factors

Stanford Funding's "$1000 on time closing guarantee"

Jumbo Refinance

Great Rates

"Rate & Term Refinance" up to 90% of the appraised value of your home

Cash Out refinance for to be for any reason up to 80% of Appriased Value

"Super" Jumbo Loans

Loans above 3 million call for more information

Purchase & Refinance

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Construction Loans

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Stanford Funding

Construction Loans

Purchase & Refinance

FHA 203k

FHA 203k Streamline

Land / Lot Loans

Self Build / Owner Builder

Multi- Family 2-4 Units

Renovation Loans

Builder Sold

Builder Model / Spec

Loans Overview

Up to 12 month Contruction terms

Loan amounts up to 90% of completed value (96.5% on FHA 203k Streamline)

Interest Only available

loans from $50,000 to $2,000,000

Great Rates

Flexible draws schedules

Borrower may act as GC

Lower credit scores "ok"

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Garantee Page

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Stanford Funding's

$1000 Garantee

At Stanford Funding we stand behind our promises.

If we cannot meet your contracted closing date on your purchase of your next home we will credit you $1000.

Call 303-261-8163 today and ask us to stand behind your next mortgage.

The small print: Borrower must sign and agree to the terms of our garantee including a time window based on loan type, ask for your written garantee for more information. $1000 is credited when loan closes, and is credited on the HUD1 settlement statement. Only borrower can receive credit, cannot be transfered.

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Multi- Family

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Stanford Funding

Multi- famliy

Purchase / Refinance

Great Rates

As Little as 20% down payment

5 plus units

Apartment buildings

Mixed use (50% multi famliy)

$750,000 to $50 Million

DSR from 1.25

Credit scores down to 680

"Rate & Term Refinance" up to 80% LTV of the appraised value of property

Cash Out refinance up to 70% of Appraised Value.

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Stanford Funding

VA Products

Purchase

Great Rates

Scores as low as 580

No Money Down Purchases

No credit score / 1 score program

Higher "Debt to Income" programs

Even better rates for those with 740 credit score or higher.

Manufactured Home program

Refinance

"Rate & Term Refinance" up to 100% of the VA appraised value of your home

No Appraisal required on certian current VA loans.

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ABOUT

About Stanford Funding Inc.

At Stanford Funding we are dedicated to help you achieve the American Dream of home ownership. We are committed in making the home mortgage loan process as simple and easy as possible for you. We live and work in the communities we serve. We provide a personal mortgage specialist to every mortgage applicant to help you find the right mortgage, put together the application and close your loan.

Our Loan Originators are a highly experienced group with an average of over 10 years in the real estate industry each. These means that as our client you received the knowledge of a seasoned professional, not just the training of the "Company Line" that other "bigger" companies.

Stanford Funding is an AAA rated member of the BBB, and we work hard to maintain our rating. Stanford Funding can also be found weekly for the last 10 years in the mortgage section of the Denver Post.

CONTACT

CONTACT ME

loans_bestmortgagescolorado.com

720-309-3014

GREAT RATES

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Great Rates

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Rates are subject to change without notice. All rates are "Conventional" mortgages and are based on a purchase, with loan amount of $200,000

760 credit scores and loan to value of less then 80%. ARM 5/2/5 12m Libor.

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