Mortgage Makers Lending is a very unique mortgage company as we offer:

Conforming loans.

Conforming Loans are the most common type of home loans in America and most lenders only handle this type of financing. They are called Conforming Loans because they must “conform” to strict government guidelines wherein the borrower must have the following qualifications and requirements in order to be approved for a home loan:

Excellentcredit scores (never under 620)
No late payments
No unpaid collections - No medical debt
Self employed people must state income as shown on their tax returns.
Debl ratio less than 32% to 38%
No bankruptcy showing on credit report or less than 7 years
Minimum of 2 years with the same employer
20% down payment (or PMI purchase guaranteeing 20% equity in the property)

The government’s enforcement of the PMI (Private Mortgage Insurance policy) is designed to protect the lender in the event that the property is foreclosed. There even may be more requirements imposed by the lenders of conforming loans, most of whom are local or regional banks, or mortgage companies that are branches or spin-offs of these huge nationwide financial institutions. What if you don’t meet their strict guidelines? How can you be approved for a home loan?

Non-conforming loans.

Loans that meet all conforming guidelines but are over $254,000.
Credit scores over 700 but have some unpaid collections.
Bankruptcy after dismissed for 3 years and good credit scores now.
A few collections that are now paid.
Self employed with stated income and excellent credit scores.
Rural Housing loan programs.
Some Fannie Mae and Freddie Mac loans.
Credit score of 600 with no past due collections.

There are many ways to get financing through non-conforming lenders, and Mortgage Makers EXPERIENCED loan officers are trained in the art of “creative financing” to make certain that the very best loans are offered to our borrowers’ based upon their individual circumstances.

Sub-prime loans.

These are a variety of programs offered by small and large investment lenders and mutual funds programs that are backed by residential mortgages (mortgage-backed securities). These lenders offer a wide variety of lending programs designed for borrowers with one or more of the following circumstances:

Bankruptcy is dismissed one day to 7 years.
Multiple bankruptcies.
Judgments, tax liens, past due child support payments can be ignored.
Collections, charge offs, repossessions, past due payments can be ignored.
While in a credit counseling service program.
No proof of rent payments.
No proof of income for self employed and low scores.
Income to debt ratio as high as 60%.
Creditors that do not report to the bureaus can be displayed in a newly created credit report.
Highest credit score of the three bureaus can be used.
Credit scores as low as 500.
The spouses with the highest credit score can be used for approval.
Loans without spouses or loans with relatives or friends are accepted.

There are a multitude of ways to get financing through sub-prime lenders, which gives our EXPERIENCED loan officers the ability to get your new home financed with the use of “creative financing”.

THIS IS WHERE MORTGAGE MAKERS TAKES OUR BORROWERS TO THE BEST HOME LENDERS TO FIT THEIR CIRCUMSTANCES AND CREDIT SCORES!

Regardless of the problems that may have come into your life – we are here to help you get a home of your own so you can decorate or remodel it and live in it as you so desire. Mortgage Makers Lending Corp. is a true mortgage broker – which means we pull your credit reports only once – this keeps your credit scores higher, because each time any lender or mortgagor pulls your credit, your credit score is almost always lowered. We work through large investment companies and lenders who sell securities or bonds that are backed by residential mortgages and these loans don’t have to follow guidelines set by the government. Yes, we can do the same loans set by conforming loan guidelines but our main focus is helping people who do not have large savings, don’t have excellent credit or cannot fit the guidelines set by conforming or non-conforming guidelines.

We take your credit-income-debt information and put your circumstances into our special mortgage database system that will determine which lenders will do your loan and at the same time we fight to get you the best interest rate. Yes, even if you have a very low credit score we fight with many lenders to get you a 100% loan at a good interest rate and YES, WITHOUT ANY PRIVATE MORTGAGE INSURANCE. All your monthly interest payments are deductible from your tax returns, your interest and your principal. NOW if you are ready to purchase (or refinance) your house, you need to apply online (Click Here) or on the (Apply Now!) button below, or if you wish to talk to a loan officer at our office call us at 1-888-500-0000.