NMLS ID: 398557

Are you having a Hard Time with Your Bank or Lender Approving Your Home Loan? 

We can help.

                                                                                                                                                         Copyright 2017. HomeLoansByU, Inc. All rights reserved

This is not a commitment to make a loan. Loans are subject to borrower qualifications, including income, property evaluation, sufficient equity in the home to meet LTV requirements, and final credit approval. Approvals are subject to underwriting guidelines, interest rates, and program guidelines, and are subject to change without notice based on applicant's eligibility and market conditions. Refinancing an existing loan may result in total finance charges being higher over life of loan. Reduction in payments may reflect longer loan term. Terms of the loan may be subject to payment of points and fees by the applicant. Home Loans By U, Inc. is an Equal Opportunity Mortgage Broker Firm and an Equal Housing Mortgage Broker Firm. NMLS 398557.

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Will Pinnick President

of Home Loans By U, Inc.

Thank you for the opportunity to

to earn your business and we look

forward to becoming your family's 

trusted Home Loan experts.

Loan Options

 

 

Home Loans By U, Inc. has access to a wide range of loan products and programs.

Whether you are an A+ borrower with excellent credit history and strong finances, a first time homebuyer, retired, a foreign national, or have an adverse credit history; our team of professional Mortgage Experts can help find you the best product to meet your specific needs.

We do all types of mortgages including, FHA, VA, Conforming Loans, Conventional Loans, USDA, ALT-Doc, Reverse Mortgages, Commercial Loans, Loans for Foreign Nationals, Private Lending or Hard Money Lending and more.

Types of mortgages:

  • FHA Loans

  • VA Loans

  • Conventional

  • Conforming

  • USDA Loans

  • Adverse Credit Loans

  • Private Lending ( Hard Money Loans For Residential and Commercial Properties)

  • Reverse Mortgages

  • Commercial Loans

  • Prime Loans for Foreign Nationals

  • Jumbo Loans

 

Portfolio of some of our Niche Programs

 

Manual Underwriting

Bank Statement

  • Self-Employed Borrowers

  • 24 Month Bank Statements

 

Credit Event

  • 1 Day out of Foreclosure

  • Short Sale or Bankruptcy

 

Foreign National

  • Non-U.S. Credit Accepted

 

Credit Scores Starting at 500

  • Up to 80% LTV

 

Owner Occupied, Second Home and Investment Properties

  • DTI up to 50%

 

30 Year Fixed- No Prepayment Penalty

  • Gift Funds Allowed

 

Non-Owner

  • Purchases Up to 75%

  • No Cash Reserves

  • Cash-out with Short Sale Settled to 70% LTV

  • Purchase with Bankruptcy or Foreclosure > 2 years to 75%

Home Loans By U, Inc. has access to every Mortgage Loan Product & Program! Including;

Conventional Loan Programs

Fixed Rate Mortgages
10, 15, 20, 25, and 30 Year Fixed Terms

Adjustable Rate Mortgages
3, 5, 7 and 10 Year Initial Fixed Rate Terms

Single Financed Mortgage Insurance and Lender Paid Mortgage Insurance
Upfront & Lender Paid Mortgage insurance options for borrowers wishing to avoid monthly Mortgage Insurance premiums. Available up to 97% LTV.

Fannie Mae High Balance
Expanded Loan Limits for high cost counties from $417,001 -  $625,000 loan amounts.

Freddie Mac Super Conforming
Expanded Loan Limits for high cost counties from $417,001 -  $625,000 loan amounts.

Fannie Mae Multiple Financed Properties Program
Specifically designed 2nd Home and Investment Transactions for borrowers with 7-10 Financed Properties.

Fannie Mae Home Ready
Up To 97% Financing for Conventional Loan Amounts

The Home Ready product is offered by Fannie Mae to help meet the diverse needs of today’s buyers. It is designed for creditworthy, low to moderate income borrowers, with expanded eligibility in designated low-income, minority, and disaster-impacted communities.

Freddie Mac Home Possible
Up To 97% Financing for Conventional Loan Amounts

Home Possible is Freddie Mac’s community lending program offering additional flexibility and options to meet a variety of borrowers’ home financing needs.

Fannie Mae Homestyle Renovation
The Fannie Mae Homestyle Renovation program allows borrowers to combine the purchase or refinance of a home with the costs to renovate or extensively remodel the property. At closing all funds for renovation will be escrowed in an interest earning account.

After all renovation work is complete, any remaining funds in the renovation escrow account will be used to pay down the principal balance of the mortgage. Soft costs such as architectural services, engineering and permit fees may be financed. Full builder third-party contracts only.

Fannie Mae DU Refi Plus
HARP Government refinance program for upside-down properties for Fannie Mae loans originated prior to June 1, 2009.

Freddie Mac Refi Relief
HARP Government refinance program for upside-down properties for Freddie Mac loans originated prior to June 1, 2009.

 

FHA Loan Programs

FHA Fixed Rate Mortgages
10, 15, 20, 25, and 30 Year Fixed Terms

FHA Adjustable Rate Mortgages
3 and 5 Year Initial Fixed Rate Terms

FHA Streamline Refinance

  • FHA to FHA Refinance

  • No Cash-Out  

  • Reduced documentation requirements  

  • No Appraisal

 

FHA Cash-Out Refinance
Up to 85% LTV - can be FHA to FHA or Non-FHA to FHA loan refinance
 

VA Loan Programs

VA Fixed Rate Mortgages
10, 15, 20, 25, and 30 Year Fixed Terms

VA Adjustable Rate Mortgages
3 and 5 Year Initial Fixed Rate Terms

VA Streamline Refinance (VA IRRRL)

  • VA to VA Refinance  

  • No Cash-Out

  • Reduced documentation requirements

  • No Appraisal


USDA Loan Programs

USDA Fixed Rate Mortgages
30 Year Fixed Only

USDA Streamline Refinance (VA IRRRL)

  • USDA to USDA Loan Refinance

  • No Cash-Out

  • Reduced Documentation

  • No Appraisal


Jumbo Loan Programs

  • Loan Amounts Up To 40MM.

  • 75% LTV Interest Only Up To 2.5MM.

  • 95% LTV Up To $850,000

  • Cross Collateralization

  • 90%+ LTV Doctor and Professional Programs

  • Alternative Income Qualification

  • Access to Wealth Management and Private Banking Channels

  • Adverse Credit – Short Sale, Foreclosure, Bankruptcy

  • Corporate Title Ok


Condo Loan Programs

  • True Limited Review Condo Approvals

    • 75% LTV/90% CLTV for Florida Properties

  • Full Review Condo Approvals Up To 95% LTV

  • Non-Warrantable Condo Approvals


Foreign National Loan Programs

  • Loan Amounts Up To 40MM

  • No Tax Returns

  • Accountant Letter from Country of Origin for Income Qualification

  • Venezuelan and Russian Nationals OK

  • Limited Review Condo Project Approvals for Primary Resident


Adverse Credit Loan Programs

  • Sub 500 Credit Scores

  • 1 Day Out Of Short Sale, Foreclosure, Bankruptcy

  • Reduced Income Qualification on Investment Properties

 

Reverse Mortgage Loan Programs

  • Reverse Mortgage Purchase Transactions

  • Traditional Reverse Mortgage Refinances


Hard Money Loans

NMLS ID: 398557