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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

Alternative/Portfolio/Private Underwriting Guidelines - Currently Available!

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  Even though our business model focuses on offering Fannie Mae/Freddie Mac and FHA/VA interest rates generally .25-50% lower than the competition we also offer these loan options to help your buyer's secure financing: * IRA distribution income no seasoning *Utilize Liquid Assets in Lieu of Income for Qualifying *Clients Over 55+ Years Old With Low Income- Utilize a Reverse Mortgage for Purchase *Cross Collateral Loan Program (No Downpayment Required) *Portfolio Underwriting (Common Sense Guidelines) *Private Lending  (No Income Verification and Equity Based Available) Feel free to contact me or visit us at   www.McCormickLendingGroup.com   Bob McCormick, President Toll Free 800-328-0144 Residential-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

In-House Direct A+ Paper Portfolio and Private Loan Options Available!

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In-House Direct  A+ Paper Portfolio and Private  Loan Options Available  Programs Offered Private and Portfolio Underwriting (Common Sense) - Owner Occupied and Investor Asset-Based Options Assets, Rents and Bank Deposits allowed to be used for income  Foreign National options  Cross Collateralization (In Lieu of Bridge Loan - Remove Contingency) Bridge Loans (Purchase before you sell) Mezzanine (Construction and Value-Added) Property Types Residential Single Family, Condominium, Townhome Office, Retail, Multifamily, Mixed Use, Industrial and Mini-Storage Raw Land/Lots If you are interested in discussing portfolio, private or any other mortgage need, please contact me today. 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 Blog  mb0903631 nmls175743 nmls179756 Cadoc603J043 Equal Housing Lender

1% Downpayment First Time Homebuyer Purchase Option!

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    Eligible clients only need to put 1% down, and the other 2% is covered, providing all the benefits of a 3% down payment!   Affordability is top of mind for most home buyers. this new, exclusive and affordable purchase product that requires less upfront savings for your eligible clients, helping them get on the fast track to homeownership. Since clients don’t pay the mortgage insurance, they can also significantly decrease their monthly payment over the life of the loan. Client Qualifications Must make less than or equal to 80% of the area median income for the subject property Minimum FICO ®  Score of 620 Minimum down payment of 1% required Minimum LTV/CLTV/HCLTV of 95.01%; maximum LTV/CLTV/HCLTV of 105% (with an eligible Community Second) Maximum loan amount of $350,000 No PMI option 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 Corporat

Debt Consolidation Loan Options (Reduce interest rates on overall monthly debt and maximize cash flow)

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  Debt Consolidation Refinance A debt consolidation refinance allows you to pay off high-interest credit card debt, medical bills, student loans, and any other loan balances that you carry (as well as utilizing home equity for home improvement projects) to lower the overall interest and maximize monthly cash flow. This can be achieved by either combining all debts into a new first mortgage or by taking out a new second mortgage (loan or home equity line of credit).   There are certain situations where combining all debt into a new first mortgage can be financially beneficial, even if the first mortgage rate is very low. If you have any questions or would like an amortization breakdown scenario generated just let me know. Your referrals are greatly appreciated! To see how we operate differently visit us at: www.McCormickLendingGroup.com     Bob McCormick, President Call Toll Free 800 328-0144 Email- McCormickLending@gmail.com Residential - Portfolio - Private - Reverse 14362 N Frank Llo

Portfolio Commercial and Investor Lending (Low Documentation)

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  Portfolio Commercial and Investor Lending (Low Documentation) Qualifying based solely on Lease Agreements and/or Rent Schedule No Business or Personal Tax Returns or P&L Statements Loan Amounts up to $5,000,000 30 Year Fixed Rate with Interest Only Option and No Balloon Lower rates and longer terms than Hard Money Fico Scores as low as 650 1 Day Seasoning for Ownership or BK Non- Recourse Property Types Rental Portfolio Office, Retail, Warehouse Multifamily, Mixed Use Self Storage, Automotive SFR, Condo and 2-4 Units Nationwide EXCEPT: NV, ND, SD, NY, NJ Feel free to contact me with any questions or scenarios Visit us at  www.McCormickLendingGroup.com Residential-Commercial-Portfolio-Private Lending  Bob McCormick, President   Toll Free 800-328-0144 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

Conventional, FHA and VA financing options on manufactured homes

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  Conventional, FHA and VA financing options on manufactured homes We’re giving you another affordable path to owning your dream home. With higher rates and home prices, manufactured homes can be a smart choice. • Today’s manufactured homes are modern and customizable, designed for year-round living and made with quality products and materials. • Manufactured homes can be built faster and typically offer cost savings compared to traditional homes. Take advantage of affordable financing: • Savings: A manufactured home’s mortgage rate can be lower than many other loan options for a manufactured home. • Longer terms: You can choose longer term options compared to a personal loan. • More purchase power: With a manufactured home mortgage, you can borrow more moneyversus a personal loan, giving you more financial flexibility. Feel free to contact me with any questions   Visit us at  www.McCormickLendingGroup.com Bob McCormick, President   Toll Free 800-328-0144   Email-  McCormickLendi

Ask Us How To Cash Out Seller/Carryback Notes

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As part of our mortgage operations we can also help purchase Secured Notes and Deeds of  Trust!     Helping our clients with their liquidity needs! Performing and Non-Performing 1st and 2nd Notes/Deeds of Trust Secured by Real Estate  (Residential and Commercial)  Real estate loan buyouts - offering a quick closing at a fair market price Single Family Condominium Townhome 1-4 Units Apartments Office Warehouse Mixed-Use Industrial Lots/Land Construction Buyout Reasons to sell your note: New Investment Opportunities College Tuition Pay Off Debt Divorce Settlement Estate Settlement Prefer Cash Liquidity Contact us with any questions 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  mb0903631 nmls175743 nmls179756 Cadoc603J043 Equal Housing Lender

Reverse Mortgages With No Origination Fees and Interest Rate Caps!

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As the owner of Mortgage Quest I personally control our pricing model and have extremely low  margins and costs for our clients! We offer  extremely low margins and costs  on our Reverse Mortgages  to help preserve as much equity as possible  over the life of the loan (most reverse mortgage lenders do not offer this as they want to maximize their own profit) For borrowers over 55+ years old looking to purchase or refinance Only have to qualify to prove ability to pay annual property taxes and insurance You always keep title and own your home Access to a Line of Credit that grows over time No Origination, Title and Underwriting Fee Options Available Visit our website to learn more! Bob McCormick, President Office 800-328-0144 Email Me Lending in Arizona and California  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    mlo #179756  Cadoc603J043  EQUAL HOUSI

Nationwide Commercial and Investor Lending Options

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Nationwide  Commercial and Investor 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 $50,000,000 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 SBA - 7(a), Express, Wor

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 Homebuyer Education

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Over 70% of Seniors Say Their Home is Their Most Valuable Asset According to AAG Survey Nearly 75% Also Say Buying a Home was the Best Financial Decision They Ever Made For the past 24 years, as the owner of Mortgage Quest, I have witnessed my clients build wealth through owning their own home.  My goal has always been to educate my clients on what steps need to be taken in order to be homeowners.  I realize that first-time homebuyers may feel uneasy on not knowing what questions to ask, but I can help. Whether you decide to purchase your first home or not it's important to be educated so that you're making an informed decision. There are several myths that many first-time buyers hear and just to clarify a few untruths: Your do not need perfect credit You do not need a large downpayment You do not need to be at your job for 2 years If you are a renter or a first-time homebuyer I am always available to answer any questions and discuss the entire qualification and mortgage proces