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Professionalized Mortgage Services
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Loan Programs
Conventional Home Loans
Conventional Home Loans
Conventional Home Loans
Conventional loans are for borrowers that have credit scores above 620, stable income, low debts and some down payment. This type of loan is the most common and the least complicated way to get the most flexible mortgage options.
- Fixed and adjustable rates available
- Loan terms of 10, 15, 20 and 30, flexible terms available
- Loan Amounts i
Conventional loans are for borrowers that have credit scores above 620, stable income, low debts and some down payment. This type of loan is the most common and the least complicated way to get the most flexible mortgage options.
- Fixed and adjustable rates available
- Loan terms of 10, 15, 20 and 30, flexible terms available
- Loan Amounts in 2023 up to $726,200
- For primary, secondary, and investment properties
- Down payments as low as 3% for those that qualify
- Available for Purchase and Refinance Transactions
- In higher cost of living areas, loan amounts up to $947,200
FHA Loans
Conventional Home Loans
Conventional Home Loans
The Federal Housing Administration (FHA), a branch of the U.S. Department of Housing and Urban Development (HUD) insures this type of mortgage. FHA Loans are more forgiving for those with blemished credit and higher debt ratios. FHA Loans are great for first time home buyers because of their flexibility, although anyone can apply.
- For Pr
The Federal Housing Administration (FHA), a branch of the U.S. Department of Housing and Urban Development (HUD) insures this type of mortgage. FHA Loans are more forgiving for those with blemished credit and higher debt ratios. FHA Loans are great for first time home buyers because of their flexibility, although anyone can apply.
- For Primary Residence and Secondary residences only
- A 3.5% payment is required, which can be gifted
- A Seller can contribute up to 6% towards the buyers closing costs.
- Requires Mortgage Insurance Premium (MIP) for the life of the loan.
- Available for Purchase and Refinance Transactions
VA Loans
Conventional Home Loans
USDA Loans
The Department of Veterans Affairs (VA) offers financing for Veterans. The VA determines eligibility and will issue a certificate of eligibility to qualifying applicants.
- Must be a Veteran, Active Duty Military, or member of the Reserves.
- 100% Financing
- Buyers can borrower an additional $50,000 for home repairs
- No Monthly Mortgage Insuran
The Department of Veterans Affairs (VA) offers financing for Veterans. The VA determines eligibility and will issue a certificate of eligibility to qualifying applicants.
- Must be a Veteran, Active Duty Military, or member of the Reserves.
- 100% Financing
- Buyers can borrower an additional $50,000 for home repairs
- No Monthly Mortgage Insurance
- Closing Costs can be gifted by immediate family
- Available for Purchase and Refinance Transactions
USDA Loans
Reverse Mortgages
USDA Loans
The US Department of Agriculture (USDA) offers mortgage loans in eligible areas that are considered rural. USDA will only allow a borrower to have one financed property at a time. There are some income restrictions for USDA loans. This type of loan is great for first time home buyers.
- Primary residences only
- New manufactured homes are al
The US Department of Agriculture (USDA) offers mortgage loans in eligible areas that are considered rural. USDA will only allow a borrower to have one financed property at a time. There are some income restrictions for USDA loans. This type of loan is great for first time home buyers.
- Primary residences only
- New manufactured homes are allowable
- 100% Financing Available
- With a USDA home improvement loan, there is an additional 10% of the purchase price for home repairs for distressed properties
- 30 year fixed rate terms
- House must be in a Rural Development-eligible areas.
Jumbo Loans
Reverse Mortgages
Reverse Mortgages
Jumbo Loans exceed the maximum loan amounts established by conventional loan limits, currently $726,200. A Jumbo Loan is right for you if you are looking to buy a high priced or luxury home.
- Financing above Conforming Loan Limits of $726,200
- Convenience of One Loan versus having Multiple Mortgages
- Purchase options available with a 5% down
Jumbo Loans exceed the maximum loan amounts established by conventional loan limits, currently $726,200. A Jumbo Loan is right for you if you are looking to buy a high priced or luxury home.
- Financing above Conforming Loan Limits of $726,200
- Convenience of One Loan versus having Multiple Mortgages
- Purchase options available with a 5% down payment with NO Private Mortgage Insurance (PMI)
- Fixed and Adjustable Rate Mortgage Options
- Loan amount available for up to $4.5 million available
Reverse Mortgages
Reverse Mortgages
Reverse Mortgages
A Reverse Mortgage is a loan for those age 62 and older that allows homeowners to convert their home’s equity into cash with no monthly mortgage payments. These loans are backed by the Federal Housing Administration
- Primary Home
- For those 62 and older
- No Monthly Mortgage Payments
- Receive Money Monthly
Services
Loan Products & Programs
- Conventional Loans
- FHA Loans
- VA Loans
- USDA Loans
- Jumbo Loans
- Reverse Loans
- DSCR Loans
- Construction Loans
- Non-QM Loans
- Refinance Loans
- Foreign National Loans
Home Purchases & Refinances
Why Refinance?
Refinancing is the process of paying off your existing mortgage with a new mortgage. Typically, you refinance your mortgage to reduce your interest rate and monthly payment or change the length (or term) of your mortgage. You may also refinance to take cash out from your home’s equity.
NON-QM Programs
We have mortgage loan products for just about everyone. If you are looking for a unique product please take a look below and see what we have to offer.
NON-QM Programs
Full Document Programs
Full Document Programs
Full Document Programs
- Loan-to-Value up to 90%
- FICO Scores down to 500
- Debt-to-Income Ratios up to 55%
- Loan amount starting from $100k to $5 million
- Interest Only Available
- Cash Out Options
- Bruised Credit
- ONE Day out of Bankruptcy
- ONE Day out of Foreclosure
- ONE Day out of a Short Sale
Second Homes
Full Document Programs
Full Document Programs
- Loan-to-Value up to 80%
- FICO Scores down to 540
- Debt-to-Income Ratios up to 50%
- Loan amount starting from $100k to $5 million
- Foreign Nationals Eligible
- Cash Out Options
- Bruised Credit
- 12 and 24 month bank statements available
24 Month Bank Statement Loans
24 Month Bank Statement Loans
24 Month Bank Statement Loans
- Loan-to-Values up to 90%
- FICO Scores down to 580
- Debt-to-Income up to 50%
- Loan amount starting from $100k to $5 million
- Interest Only Available
- Cash Out Options
12 Month Bank Statement Loans
24 Month Bank Statement Loans
24 Month Bank Statement Loans
- Loan-to-Values up to 85%
- FICO Scores down to 620
- Debt-to-Income up to 43%
- Loan amount starting from $100k to $5 million
- Interest Only Available
- Cash Out Options
- Primary residences only
- New manufactured homes are allowable
- 100% Financing Available
- With a USDA home improvement loan, there is an additional 10% of the purchase price for home repair
- Loan-to-Values up to 85%
- FICO Scores down to 620
- Debt-to-Income up to 43%
- Loan amount starting from $100k to $5 million
- Interest Only Available
- Cash Out Options
- Primary residences only
- New manufactured homes are allowable
- 100% Financing Available
- With a USDA home improvement loan, there is an additional 10% of the purchase price for home repairs for distressed properties
- 30 year fixed rate terms
- House must be in a Rural Development-eligible areas.
Investor Loans: Underwritten to Borrower income
Full Document Programs
Debt Service Coverage Ratio
Debt Service Coverage Ratio
- Loan-to-Value up to 80%
- FICO Scores down to 540
- Debt-to-Income Ratios up to 50%
- Loan amount starting from $75k to $5 million
- Interest Only Available
- Cash Out Options
- ONE Day out of Chapter 13 Bankruptcy
- ONE Day out of a Short Sale/DIL
Debt Service Coverage Ratio
Debt Service Coverage Ratio
Debt Service Coverage Ratio
- Only LTV and FICO Scores Required (NO RATIO)
- FICO Scores down to 620
- Loan amount starting from $75k to $5 million
- First Time Investors Allowed
- 1-4 Unit Properties
- 75% LTV Purchase (700 FICO)
- Short Term Rentals
24 Month Bank Statement Loans
24 Month Bank Statement Loans
24 Month Bank Statement Loans
- Loan-to-Values up to 90%
- FICO Scores down to 580
- Debt-to-Income up to 50%
- Loan amount starting from $100k to $5 million
- Interest Only Available
- Cash Out Options
12 Month Bank Statement Loans
24 Month Bank Statement Loans
24 Month Bank Statement Loans
- Loan-to-Values up to 85%
- FICO Scores down to 620
- Debt-to-Income up to 43%
- Loan amount starting from $100k to $5 million
- Interest Only Available
- Cash Out Options
- Primary residences only
- New manufactured homes are allowable
- 100% Financing Available
- With a USDA home improvement loan, there is an additional 10% of the purchase price for home repair
- Loan-to-Values up to 85%
- FICO Scores down to 620
- Debt-to-Income up to 43%
- Loan amount starting from $100k to $5 million
- Interest Only Available
- Cash Out Options
- Primary residences only
- New manufactured homes are allowable
- 100% Financing Available
- With a USDA home improvement loan, there is an additional 10% of the purchase price for home repairs for distressed properties
- 30 year fixed rate terms
- House must be in a Rural Development-eligible areas.
Special Jumbos Jumbo Loans with Full or Alt Credit
Full Document Programs
Full Document Programs
Full Document Programs
- Loan-to-Value up to 90%
- FICO Scores down to 660
- Debt-to-Income Ratios up to 55%
- Loan amount starting from $150k to $5 million
- Interest Only Available
- Cash Out Options
- 12 or 24 month options available
Full Document Programs
Full Document Programs
We offer higher balance loans with full or alternative documentation. If you are one of the few Borrowers that have a good credit score with a sizable down payment, and get turned down by your local Lender because the Loan Originator tells you that you don't make enough to qualify based on your taxes.
Second Homes
Full Document Programs
24 Month Bank Statement Loans
- Loan-to-Value up to 80%
- FICO Scores down to 660
- Debt-to-Income Ratios up to 50%
- Loan amount starting from $150k to $5 million
- Cash Out Options
- 12 and 24 month bank statements available
24 Month Bank Statement Loans
24 Month Bank Statement Loans
24 Month Bank Statement Loans
- Loan-to-Values up to 90%
- FICO Scores down to 660
- Debt-to-Income up to 43%
- Loan amount starting from $150k to $5 million
- Interest Only Available
- Cash Out Options
12 Month Bank Statement Loans
24 Month Bank Statement Loans
12 Month Bank Statement Loans
- Loan-to-Values up to 90%
- FICO Scores down to 660
- Debt-to-Income up to 43%
- Loan amount starting from $150k to $5 million
- Interest Only Available
- Cash Out Options
Non-QM Specials Fix and Flip, Foreign Investor and NO DOC
Foreign National Loans
Foreign National Loans
Foreign National Loans
- Loan-to-Value up to 75%
- No tax returns required
- Various Visa types accepted
- Income verification from employer or CPA accepted
- Foreign credit report allowed
Foreign National Loans
Foreign National Loans
We offer innovative products at Glory Mortgage. We cater to our Investor portfolio by offering a wide range of products that can close in less than 20 days. Take a look at our Fix-and-Flip home loans, Foreign Investor, and NO-DOC PRIMARY LOANS. We even have loans for Foreign Nationals.
NO DOC PRIMARY
Foreign National Loans
Fix and Flip Financing
- Loan-to-Value up to 80%
- FICO Scores down to 640 (65% LTV)
- Cash out Refinance up to 70% LTV
- Loan amount starting from $150k to $2.5 million
- Assets must be seasoned for 30 days
- Primary Residence and Second Homes
Fix and Flip Financing
Asset Depletion/Asset Qualifier Program
Fix and Flip Financing
- Any level of Investor experience
- FICO Scores down to 660
- Construction Loan Amount-up to 100% of cost
- 12-month loan term with Interest Only Payments
- Total loan amount is up to 85% of the total cost
- Non-owner occupied Single Family, 1-4 units
Asset Depletion/Asset Qualifier Program
Asset Depletion/Asset Qualifier Program
Asset Depletion/Asset Qualifier Program
- Loan-to-Values up to 90% for Purchases
- Second Homes and Investment Properties allowed
- Great for Borrowers with great credit, with no income
- Cash Out Options up to 70%
Services
About
My name is Romaine Boyd. I am a a licensed mortgage loan originator committed to assisting clients in realizing their financial objectives. With a thorough comprehension of the lending procedure, he actively seeks out the most suitable loan choices for his clients, aiming to deliver the best possible outcomes.
Home Purchases & Refinances
Here at Glory Mortgage LLC, we have the right loan program for you. Whether you looking for Purchase, Refinance, or Specialized Loans, we can do it!
NON-QM Programs
We have mortgage loan products for just about everyone. If you are looking for a unique product please take a look below and see what we have to offer.