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Don't Overpay For Your Mortgage! Utilize Our Wholesale Rates

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It's Pretty Simple: Low Overhead + Low Margins = Low Rates! Over 24 years ago, after working for large banks and mortgage banking companies, I figured out how to operate a mortgage company using a business model which allows us to offer ultra-low interest rates for our clients (Generally .25% - .50% lower than the competition)! We utilize extremely low operating costs and margins. Also, by receiving Wholesale Interest Rates and, as the sole-owner/loan officer, I personally control our pricing model which keeps our rates very low versus the competition as we have cut out layers of extra loan officer commissions and expenses. Thus, passing these savings on to our clients via lower rates. Combined with our Free Interest Rate Floatdown Option we help our clients obtain the lowest possible rates prior to closing. We are extremely aggressive on Jumbo, Conforming and High Balance Fannie Mae/Freddie Mac, USDA, FHA and VA saleable loans. To see how we operate differently visit us at:

Second Mortgage Loans Available!

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Home Equity Line of Credit and Fixed Rate Home Equity Loans Available Utilize home equity without refinancing your first mortgage for high interest rate debt consolidation, home improvement, college tuition, etc . CLTV' s to 95% and DTIs to 50% on owner occupied homes 85% CLTV on investment properties & second homes Adjustable rate HELOCs, fixed rate Home Equity Loans Piggyback purchases & refis, standalone 2nds, and 1st lien HELOCs Maximum Line/Loan Amount is $500,000 If you have any questions regarding these or any other mortgage option please let me know. Visit us at  www.McCormickLendingGroup.com Bob McCormick, President   Toll Free 800-328-0144   Email-  McCormickLending@gmail.com Residential-Portfolio-Private-Reverse 14362 N Frank Lloyd Wright Blvd #1000 Scottsdale, AZ 85260 23 Corporate Plaza Dr. #150 Newport Beach, CA 92660  mb0903631 nmls175743 nmls179756 Cadoc603J043 Equal Housing Lender

Nationwide Commercial Lending Options (Coventional, Portfolio and Private)!

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Nationwide  Commercial Lending Options  Available Since May 2000 we have utilized our own internal funding or partnerships with domestic banks, GSE's (Fannie Mae, Freddie Mac), HUD, CMBS, midsize to large insurance companies, wholesale conduit lenders, portfolio, private and equity capital companies. We have the resources available to accommodate most every commercial and investor property loan situation with our streamlined process.  In-House Quick Funding (up to $2,000,000) Loan amounts range from $50,000 to over $15,000,000. (Up to $25,000,000 for Multifamily and Rental Portfolios) Programs Offered Conventional and Non-Bank Commercial Portfolio and Private Lending Insurance Company Lending Trust Lenders Commercial Construction Mezzanine/Bridge Loans Joint Venture  Property and/or Business Types Sfr, Condo and 1-4 Units  Retail Multifamily Industrial Mini-Storage Rental Portfolios Raw Land/Lots Office Mixed-Use Single-Tenant Mobile Home Parks Feel free to contact me with any ques

Bridge Loans Available (purchase before selling and remove contingency)

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We offer Bridge Loans for borrowers who want to purchase a new property prior to selling their current property.  Great rates, flexible terms and no upfront cost or monthly payment options available!   * Purchase without a contingency *No need to liquidate savings or stock accounts *Options to defer monthly payments To see how we operate differently visit us at: www.McCormickLendingGroup.com     Bob McCormick, President Toll Free 800 328-0144 Email- McCormickLending@gmail.com 14362 N Frank Lloyd Wright Blvd 1000 Scottsdale, AZ 85260 23 Corporate Plaza Dr. #150 Newport Beach, CA 92660 Residential-Portfolio-Private-Reverse  mb0903631 nmls175743 nmls179756 Cadoc603J043 Equal Housing Lender

In-House Private and Portfolio Lending (Residential and Commercial)

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Residential and Commercial Properties   *In-House Private Lending   (No Income Verification and Equity Based) (Up To $2,000,000) *Portfolio Underwriting  (Alternative Guidelines) *Cross Collateral Loan Options  (No Downpayment Required) *Portfolio and Trust  (up to $25,000,000) Feel free to contact me or visit us at   www.McCormickLendingGroup.com   Bob McCormick, President Toll Free 800-328-0144 Residential-Commercial-Porfolio-Private-Reverse Lending in Arizona and California  14362 N Frank Lloyd Wright Blvd 1000 Scottsdale, AZ 85260 23 Corporate Plaza Dr. #150 Newport Beach, CA 92660 AZMB#0903631 / CA CFL #603J043 / NMLS# 175743 179756

Non-QM Bank Statement or Asset Depletion Loan Qualifying

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Bank Statement or Asset Depletion Qualifying Take Advantage of tax write-offs for self-employed borrowers Use personal or business bank statements 12 or 24 month bank statement options Less than 30 day turn time As little as 10% down Credit score as low as 620 Loans up to $3,000,000 Up to 50% DTI Contact Us With Any Questions Visit us at  www.McCormickLendingGroup.com Bob McCormick, President   Toll Free 800-328-0144   Email-  McCormickLending@gmail.com Residential-Portfolio-Private-Reverse 14362 N Frank Lloyd Wright Blvd #1000 Scottsdale, AZ 85260 23 Corporate Plaza Dr. #150 Newport Beach, CA 92660  mb0903631 nmls175743 nmls179756 Cadoc603J043 Equal Housing Lender

Seller/Owner Financing - Refinance and Note Buyout Loan Options Available!

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Seller/Owner Financing - Refinance and Note Buyout Loan Options Available! Programs available for homeowners to refinance out of the seller's carryback loan and into a permanent mortgage.  Options also available for the seller where their carryback/seller financing loan is purchased in part or in full so that they can get their cash back sooner! Property Types: Investor 1-4 (SFR, Condo, and 2-4 Units) Multi-Family (5+ Units) Mixed-Use Commercial (Office, Retail, Warehouse, Self-Storage) To see how we operate differently visit us at: www.McCormickLendingGroup.com     Bob McCormick, President Toll Free 800 328-0144 Email- McCormickLending@gmail.com 14362 N. Frank Lloyd Wright Blvd #1000 Scottsdale, AZ 85260 23 Corporate Plaza Dr #150 Newport Beach, CA 92660 Lending in Arizona and California    mb0903631 nmls175743 nmls179756 Cadoc603J043 Equal Housing Lender

Second Mortgages Available (Fixed Rate and Adjustable - up to 95% Cltv and Investment Property Options)

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Home Equity Line of Credit and Fixed Rate Home Equity Loans Available Utilize home equity without refinancing your first mortgage for high interest rate debt consolidation, home improvement, college tuition, etc . CLTV' s to 95% and DTIs to 50% on owner occupied homes 85% CLTV on investment properties & second homes Adjustable rate HELOCs, fixed rate Home Equity Loans Piggyback purchases & refis, standalone 2nds, and 1st lien HELOCs Maximum Line/Loan Amount is $500,000 If you have any questions regarding these or any other mortgage option please let me know. Visit us at  www.McCormickLendingGroup.com Bob McCormick, President   Toll Free 800-328-0144   Email-  McCormickLending@gmail.com Residential-Portfolio-Private-Reverse 14362 N Frank Lloyd Wright Blvd #1000 Scottsdale, AZ 85260 23 Corporate Plaza Dr. #150 Newport Beach, CA 92660  mb0903631 nmls175743 nmls179756 Cadoc603J043 Equal Housing Lender

First-Time Home Buyer Government Programs for 2024

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First-Time Home Buyer Government Programs for 2024 Buying your first home can be challenging, especially when it comes to getting approved for a mortgage and coming up with the down payment. Thankfully, there are plenty of first-time home buyer government programs that can make things easier. Government loans for first-time home buyers There are several government loan options that are worth exploring if you need a little extra help qualifying for a mortgage: FHA loan:  580 credit score, 3.5% down HomeReady and Home Possible:  620-660 credit score, 3% down VA loan:  580-620 credit score, 0% down USDA loan:  640 credit score, 0% down FHA home loan FHA loans can help if you can’t afford a traditional 20% down payment or have a less-than-perfect credit score. You can put down as little as 3.5% at closing with an FHA loan.  These loans have more flexible underwriting standards and are insured by the Federal Housing Administration and issued by an FHA-approved lender. Credit score : FICO sc