Licensed by the California
Department of Corporations
under the California Residential Mortgage Lending Act

 
Dear Realtor,

I would like the opportunity to “TEAM” with you and your clients to achieve their financial goals. I insist and you should demand professional and efficient service; Which, I pledge to you, on all transactions you, your clients and your friends may have. Whether it is their First Home or their Retirement Home.

I started in Real Estate in 1976. I was a Real Estate Broker and Realtor for twelve years. In 1988 I started in the mortgage finance industry in Carmel and Pebble Beach, Monterey Bay at large.

Besides the normal Conventional Real Estate loan programs, I specialize in working with Entrepreneurs, Investors, Self-Employed and Commission sales clientele. I welcome Borrowers with Credit Challenges. My knowledge, experience and expertise will give my clientele more options and a faster close of escrow. I can make their loan package work when others can not. I have the knowledge and experience to fulfill your clients financing requirements regardless how simple or complex they seem.

A-TECH Mortgage is a Mortgage Banker. We are a Full service lender with Conventional, Non-Conforming and Sub-Prime Programs. We have the popular Pick-A-Payment and Interest Only Loans. We have direct endorsement for FHA and VA. I specialize in Credit Challenges; Property or Zoning issues. I will provide your clients with OPTIONS. . . more than a YES

I look forward to working together with you on your next transaction.

P.S.       I Buy Real Estate Notes

 

LOAN  PROGRAM Options O.A.C.

 

                          Full Documentation

                                     Lite Documentation

                                                No Documentation

"STATED"   INCOME

 Self Employed   or   COMMI$$ION Sales

                       

1st Mortgage*

                            107% Financing      * True 100% Purchase Loans

                                     105% Financing       

                                               103% Financing

                                                         100% Financing

PIGGY BACK Mortgage

(1st & 2nd combined)     O.A.C.

 

100% * NO DOWN & NO Mortgage Insurance (MI)

 

"Pick-A-Payment"  Plan

the popular "Interest Only" Programs

 

  CONDO's   &    MANUFACTURED HOMES

 

>>> CREDIT CHALLENGES <<<

NO CREDIT ◊ POOR CREDIT

BANKRUPTCY

FORECLOSURE / BAIL OUT

BANK TURN DOWN

 

INVE$TOR   Non-Owner Occupied

 

95% LTV Purchase   (90% Rate & Term   REFI)

BUILDER   &  CONSTRUCTION   Loans

 (Take Out & PERM)

 COMMERCIAL Loans

 (From $100,000 to $35 Million)

 

MEDICAL PROPERTIES

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