818.406.9476

MORTGAGE LOANS! WHEN THE BANK SAYS NO WE SAY YES

POPULAR PROGRAMS

15YEAR
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OTHER AVAILABLE PROGRAMS 

FHA LOANS | COMMERCIAL LOANS | MULTI-FAMILY LOANS | PRIVATE MONEY LOANS | SBA LOANS

ABOUT US

Every one of our clients has individual needs. We listen.

We have 20 years of expertise in real estate purchases and financing, and will do our very best to make sure that every clients get the best possible outcome, whatever their need.

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We will make it happen? Let's get you into a new home!

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Rates are subject to change without notice. Minimum Loan amount $200,000, California only. ATT CAPITAL GROUP is a subsidiary of ATT CAPITAL GROUP, Inc. NMLS ID: 334827 licensed by CalBRE Lic. 01523648. All rights reserved by ATT CAPITAL GROUP. 

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15YEAR

Program Details:

•LTV up to 95% (MI applies for LTV > 80%)
•Minimum FICO 620
•“Full Doc” with up to 50% DTI
•W2 or Self Employed Borrowers
•Purchase Loan, Rate and term, or Cash-Out refinance
•Current conforming limit in CA for a single-family unit is $548,250. High Balance Conforming loan limits vary for each county
•Restrictions apply. Rates are subject to change without notice

EXAMPLE SCENARIO:

Rates as of 07/14/22 and are subject to change. The following examples are for a Purchase for well-qualified “full doc” borrower with a mid-FICO score of 760+, and property Loan-to-Value (LTV) ratio up to 60%. Conforming 15-year Fixed-Rate loan example is based on $400,000 loan amount at 3.875% (APR 4. 1%), Principal and Interest monthly payment (P&I) is $2,934, estimated financial charges: $11,200. P&I payment does not include taxes, home insurance premium, and HOA dues, which will result in a higher total monthly payment.

 

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30YEAR

Program Details:

•LTV up to 95% (MI applies fo LTV > 80%)
•Minimum FICO 620
•“Full Doc” with up to 50% DTI
•W2 or Self Employed Borrowers
•Purchase Loan, Rate and term, or Cash-Out refinance
•Restrictions apply. Rates are subject to change without notice

EXAMPLE SCENARIO:

Rates as of 08/01/22 and are subject to change. Following examples is for a Purchase for well-qualified “full doc” borrower with a mid-FICO score of 760+, and property Loan-to-Value (LTV) ratio up to 60%. Conforming 30-Year Fixed-Rate loan example is based on $400,000. loan amount at 4.25% (APR 4.41%), P&I is $1,967.76 estimated loan costs: $7,400. P&I payment does not include taxes, home insurance premium, and HOA dues, which will result in a higher total monthly payment.

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JUMBO

Program Details:

•LTV up to 89.9%
•Minimum FICO 680
•“Full Doc” with DTI up to 45%
•W2 employed or Self Employed Borrowers
•Purchase Loan, Rate and Term, or Cash-Out refinance
•Loans up to $3 Million
•Reserves: 6 to 12 months of PITI
•Restrictions apply
•Rates are subject to change without notice

EXAMPLE SCENARIO:

Rates as of 08/01/22 and are subject to change. The following example is for a Purchase for well-qualified “full doc” borrower with a mid-FICO score of 760+, and property Loan-to-Value (LTV) ratio up to 60%. Jumbo 30-Year Fixed-Rate loan example is based on $1,200,000 loan amount at 4.875% (APR 5.01%) P&I is $6,350.50, estimated loan costs: $18,500. P&I payment does not include taxes, home insurance premium, and HOA dues, which will result in a higher total monthly payment.

 
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BANK-STATEMENTS

Program Details:

•Business Deposits verified by 12-24 months of
Bank Statements
•LTV up 90% for Purchase and R/T AND Cash-Out Refinances.
•Minimum FICO Score 580
•No Business or Personal Tax Returns!
•Available for Primary, Second Homes or Investment Properties
•30-Year Fixed and 5/7/10 ARM options
•Interest-Only payment options.
•Reserves: 6 to 12 Months of PITI
•Loan Amount Limits: $200,000 to $4,000,000

 

EXAMPLE SCENARIO:

Rates as of 07/14/22 and are subject to change. The following example is for Purchase with 24 months business statements, averaging deposits to meet 43% DTI, a borrower with a mid-FICO score of 740+ and ACH direct payments, and property Loan-to-Value (LTV) ratio up to 55%. A 30-Year Fixed-Rate loan example is based on a $400,000 loan amount at 6.5% (APR 6.87%), P&I is $3,160 estimated loan costs: $12,200. Rates are subject to change. PI payment does not include taxes, home insurance premium, and HOA dues, which will result in a higher total monthly payment.

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NO-INCOME

Program Details:

•LTV up 70% for Purchase and Rate & Term
Refinance. Up to 65% for Cash-Out Refinance.
•Minimum FICO credit Score: 660+
•No income or employment Documentation Required, No VOE
•Just One Month bank statement for Proof of Funds
•Available for primary and second homes
•30-Year Fixed and 5/7/10 ARM options
•Interest-Only payment options.
•Reserves: 12 to 18 Months of PITI (Based on borrower’s FICO) – Cash-Out funds can be used as reserves!
•Loan Amount Limits: $200,000 to $3,000,000

 

EXAMPLE SCENARIO:

Rates as of 07/14/22 and are subject to change. The following example is for a Purchase loan in L.A County for a borrower with a mid-FICO score of 740+, 3 months of PITI in reserves, and property Loan-to-Value (LTV) ratio up to 60%, For 30 year Fixed option, loan amount of $400,000 at 7.75% (APR 7.16%), P&I is $2,922, estimated loan costs: $12,200.
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SASHA-RATES-Private-money

PROGRAM DETAILS:

  • Investment SFR’s, Condos, and 2-4 Uints
  • LTV UP TO 70%
  • NO ASSET VERIFIED
  • CLOSE IN 10-21 DAYS*
  • NO INCOME VERIFIED

EXAMPLE SCENARIO:

Rates as of 07/08/21 and are subject to change. *Some loans may take longer than 10 days to close. To qualify for the above sample rate, LTV up to 60%, borrower must be current on all mortgages. FICO 740+.Investment SFR’S 2-4 UNITS. Have atleast 6 verified experience 1st TD’sand non construction loans only. Origination fee of 2.5points, plus underwriting, processing, appraisal and prepayment penalty apply. N/O/O SFR’S and 1-4 unit only. Other programs with FICO requirement and up to 80% LTV are available, call for details. Restrictions Apply. Terms are subject to change, Loans are funded by Pacific Capital Funding Corp is licensed by Cal DRE Lic: 02039562