For a more mobile-friendly website version that shares details about the Realloans products, please visit this link:http://realloans.site
The best way to reach me, Rick Tobin (Broker/Owner), is by phone at (760) 485 - 2422 or by email (email@example.com). You are welcome to call, text, or email me. Have you seen Realloans on Google, Facebook, Instagram, YouTube, Microsoft Bing, Yahoo, AOL, Nextdoor, Alignable, LinkedIn, and/or on mailed postcards received as of yet?
Welcome!!! We provide quick and affordable financial solutions for our clients for California owner-occupied residential and national non-owner occupied residential and commercial properties. What sets Realloans apart is how we build the loans primarily around our clients' needs and interests no matter how complex their financial situation is today in order to get them qualified and approved. You may email, text, or submit an online application 7 days per week, 24 hours per day.
Residential Loan Products
Our financing options currently available and are subject to change for owner-occupied and non-owner occupied residential (one-to-four unit) properties include:
* 30-year and 15-year fixed mortgages with exceptional pricing * FHA loans & FHA Streamlines (fast-track, no income verification refis with no appraisals) * VA loans & VA Streamlines - 100% financing up to $1.5 million (purchase & refinance) * Cash-out and debt consolidation loans up to very high LTV (loan-to-value) ratios with or without income verification
* Stated income or EZ Doc loans, especially for self-employed borrowers * Hybrid and interest-only loans for lower payments: 3/1, 5/1, 7/1, and 10/1 (3 to 10-year fixed)
* Jumbo loans up to millions of dollars
* Freddie Mac Home Possible purchase loans - 97% LTV to 105% TLTV (Total Loan-to-Value)
* 2nd or vacation homes & Airbnb-type short-term rentals
* Non-owner occupied investment properties
* Asset-based private money loans (residential, commercial, and land) * Lower FICO credit score loans, and credit-boosting assistance, at very affordable rates (Non-QM mortgages) * Incredibly flexible DTI (debt-to-income) ratio allowances up to 60%
* Foreign-national borrower loans
* Fix-and-flip loans: Highly leveraged, EZ Doc, and fast closings in most states. * Reverse Mortgages (a mortgage and insurance hybrid with no monthly payments)
Online and paperless or doc-less loan applications: Your online application will be be automated and underwritten for quicker approvals without any paper copies (W-2s, tax returns, bank statements, mortgage records, etc.). Our financial partners' underwriters can obtain your records electronically within minutes in many cases. So, you can apply for a mortgage, get approved, and sign the loan documents from the comfort of your home in potentially just a few weeks.
Our Solid Financial Partners: My main financial partners for residential (one-to-four unit) mortgage loans include the largest wholesale (loans through brokers) and retail (loans direct to consumers) mortgage lenders in America who funded over $300 billion dollars in mortgage loans in both 2019 and 2020.
Attention Real Estate Licensees: We offer mortgage loan flyer creations for your listed properties in certain regions. To learn more details, please send me your listing terms and we'll create a professional flyer that lists one or more potential mortgage loan options for your specific property listing that may help you sell your listings faster.
All listed loan programs are subject to change, depending upon factors such as current financial market condition.