Loan Programs

 

As a full service national lender, Ascent Home Loans is in a position to offer a multitude of loan programs that other mortgage companies simply can not. From the First-Time Homebuyer to the business owner looking for a commerical loan, Ascent Home Loans has the right mortgage to fit your needs.

Here are just a sample of loan programs we offer.

Approvals

  • Free Pre- Approval
  • Quick Loan Decisions
  • Free Loan Consultation
  • Purchase
  • Refinance
  • First-Time Homebuyer
  • Savvy Investors
  • Commerical Loans
  • Helocs
  • Bankruptcy
  • Foreclosure

Conforming Fixed

  • Full doc
  • New Conforming Jumbo Limits
  • Interest Only

Conforming ARMS

  • Fixed Period Arms
  • Interest Only Fixed Period ARMS
  • 1/1, 3/1, 5/1, 7/1, 10/1

First-Time Homebuyer

  • 3% Down Programs
  • Bay Area Lending Initiative
  • My Community
  • Flex97
  • Alt 97

Goverment

  • FHA
  • New FHA Jumbo Loan Limits
  • FHASecure
  • VA

 Super Jumbo

  • Up to $2,000,000
  • Rate and Term/Cash Out Refinance
  • Full Doc
  • Loans to $2,000,000
  • Up to 95% LTV to $500,000
  • Purchase
  • Rate and Term/Cash Out Refinance
  • Primary, Second Home and Investment Properties

Alt A

  • Full Doc
  • Non-Owner Occupied

Expanded Approvals Level I,II,III

  • Credit 600-680
  • Less than 2 months cash reserves
  • Prior Bankruptcy or Foreclosure

Commerical Loans

  • Small Commerical Loans $100,000 to $1,500,000
  • 30-45 Day Target Close
  • Property Types- Multi-Family, Office, Retail, Automotive, Mixed Use, Industrial Warehouse, Hospitality, Special Purpose
  • No Appllication Fee/No Commitment Fee
  • Full Doc and Stated Income/Stated Asset
  • Easy Submission Process

Construction

  • Contruction to Perm
  • One Time Close
  • On Line 24/7 Draw Plat Form
  • No Payments During Construction
  • 680 Credit Score to 95% LTV $500,000 Loan amount Full Doc
  • Stated to 75%LTV 700 Credit Score
  • Up to $5,000,000 Loan Amount

Lot Loans

  • 80% LTV Rate and Term or Purchase
  • Fico minimum 680 Full Doc/700 Stated
  • Up to $1,000,000 Loan Amount

 

Quick Quote      Apply Online 


Ascent Home Loans 122 Calistoga Road #205 Santa Rosa, CA 95409
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