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Our mortgage team is comprised of leaders in the mortgage industry, providing conventional and Non-QM loans to homeowners throughout California, Arizona, Colorado, Oregon, Michigan, and Texas. Our mortgage broker team is dedicated to finding the best loan products for each individual client, and we are committed to ensuring that our customers receive the highest level of service and support.
Whether you’re looking to purchase a new home or refinance an existing one, we can help you find the right loan that meets your needs and fits within your budget. With our extensive knowledge and extensive network of lenders, we are confident that we can help you get on the path to owning your dream home.
So if you’re ready to take the next step and start exploring your options, contact us today! We look forward to working with you.
With a broad range of funding sources, we provide great rates. Reach out to our team now.
Simple Loan Process
We make the loan process as simple as possible. Call our loan team at (866) 749-4889
The Funding You Need
A full range of loan products from bank statement to investor cash flow loans
1099 Loan Perfect For Contract Workers
Home loans for independent contractors and freelance workers can be difficult to come by. Traditional lenders such as banks often require a steady income or full-time employment to qualify for a loan, and this can leave many independent contractors in the lurch. At Prime33, we understand that independent contractors have unique financial needs, which is why we work with lenders that provide mortgages for those who receive a 1099.
Bank Statement Deposit Loan
At our mortgage brokerage, we understand that not everyone's financial history is easily defined by a traditional W-2 form. Your ability to pay a mortgage should not depend on such narrow criteria. That is why we work with lenders that offer loans utilizing alternative requirements - such as 24, 12 or 3 months of bank statements. With the help of our mortgage brokers and their knowledge and experience working with different banking solutions, you will find the best mortgage loan for your specific needs.
We have a vested interest in getting you the best rate possible. A conforming mortgage typically offers home owners the best interest rate. A conforming mortgage is one that meets the established criteria put forth by Fannie Mae and Freddie Mac. The criteria includes loan amount, credit score, loan-to-value ratio and type of property. We'll work with you to make sure you meet these criteria so you can get the best rate available.
An FHA mortgage are backed by the government through the Federal Housing Administrfation (FHA). Offering the lowest downpayment requirements as low as 3.5%. The FHA mortgage is one of the most popular amongst first-time home buyers, since credit requirements are more forgiving than with a conventional loan. Additionally, an FHA loan can be effectively utilized to refinance an existing mortgage or purchase a new home.
Investor Cash Flow DSCR Loans
DSCR loans is a business loan for real estate investors. Instead of the borrowers personal income DSCR loans use the properties' rental income to qualify. DSCR stands for "Debt Service Coverage Ratio" and it's the ratio between rental property income and debt payments. Generally speaking, lenders want to see a DSCR of 1.25 or higher which indicates that the borrower has 25% more income than is needed to cover monthly loan payments. You can use this type of loan
Our loan option designed for those with an Individual Tax Identification Number (ITIN). We have a network of lenders that offer ITIN mortgage loans for those without a Social Security Number. Our loan officers are knowledgeable and experienced in helping those who need an ITIN mortgage. We offer competitive rates, low closing costs, and flexible terms to make sure our customers get the best possible deal on their mortgage loan.
No Doc Stated Income Loan
No income verification mortgages also known as no doc mortgages were more common prior to the 2008 housing crisis. It is still possible to get a no doc loan in 2023 but there are additional requirements. Borrowers must have an excellent credit score, a good income and there are often higher down payments required depending on the lender. In addition, lenders may require additional documentation such as bank statements.
If you own a home and are over 62 you may be able to tap into the equity in your home. Prime33 offers reverse mortgages to turn your home equity into cash. We take great care in assessing your needs so that you are able to maximize the benefits of a reverse mortgage while protecting your best interests. Our team of reverse mortgage specialists will explain how the process works, guide you through all the paperwork, and answer any questions you may have about getting a reverse mortgage.
Second Mortgage HELOC
A Home Equity Line of Credit (HELOC) or a Home Equity Loan are both ways to tap into your houses equity. A HELOC gives you a revolving line of credit that works like a credit card, and the Home Equity Loan provides you with a lump sum of cash. Both options are attractive because they offer competitive interest rates compared to other types of borrowing, such as personal loans or credit cards. With a HELOC, you can borrow up to 97% of your homes value.
VA mortgages are for those who servered or are serving in the United States Military. The VA loan program is backed by the Department of Veteran Affairs. VA loans offer up to 100% financing, no down payment requirement and lower interest rates than conventional loans. The VA loan program also offers certain other benefits such as no private mortgage insurance (PMI) requirements, lenient credit and income requirements, and flexible funding fees. VA mortgages have the potential to help veterans achieve the dream of homeownership.
Pre-Approvals For A Home Purchase
Interested in buying a home? Get pre-approved today for a mortgage. Prime33 is proud to partner with some of the leading mortgage lenders in the country. Our experienced team will help you get pre-approved and make your home buying journey as stress-free as possible. Contact us today to learn about our competitive rates, flexible payment options, and more! We understand that purchasing a home is a major milestone
Cash-out refinancing is a great way to use the equity in your current home to increase your cash flow and consolidate debt. With this type of refinancing, you can borrow against the value of your home and use it to pay off existing debts. Cash-out refinancing is a good option for those who may be facing a financial crisis or want to reduce their monthly payments. By replacing higher interest debt with lower interest debt, you can save money in the long
Individualized Lending Solutions
When it comes to finding the right financing for a mortgage, choosing an individualized lending solution is key. We specialize in those seeking a loan for a home but don’t receive a traditional paycheck. Whether you are a business owner, recently retired, or investment property, our range of lending options can help ensure that you have the funds you need to purchase or refinance the property.
We provide clients with the prime advantage of offering QM & non-QM loans that are tailored to fit the unique needs of each borrower. Whether you are looking for a low-interest rate or flexible terms, our team of experts can help find the mortgage that best meets your needs and offers the most competitive rates in the market. Whether you are a first-time homebuyer or need help funding an investment property contact us today and let us help you find the right loan for you!