Fixed Seconds
Best for homeowners needing a lump sum from home equity
Get Your Quote“Eric is a very experienced lender with great communication. He's wonderful to work with always meets timelines or beats them. Working with Eric is a pleasure and I recommend utilizing his services.”
Ca Perry
Fixed Seconds Loans allow you to borrow a lump sum against your home’s equity with predictable monthly payments, perfect for major expenses or debt consolidation.
Benefits
- Receive a lump sum for immediate use
- Fixed interest rate for predictable payments
- Ideal for large expenses like renovations or medical bills
- No need to refinance your primary mortgage
- Interest may be tax-deductible
- Set loan term for easier budgeting
- Use for anything—no restrictions on spending
Eligibility requirements
- Sufficient home equity, typically at least 15-20%
- Minimum credit score, typically 620+
- Fully documented and alternative documentation options available
- Debt-to-income ratio up to 50%
- Property must meet lender standards
- Flexible credit criteria
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Phone number:
925-788-1644Email address:
team@mymortgageally.comOther loans
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- Down payment as low as 3%
- No mortgage insurance ever
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Profit And Loss Only Loan
For business owners who prefer to use profit and loss statements instead of tax returns.
- Business-focused
- Simplified documentation
- Faster qualification
Investor Loan
Best for real estate investors seeking financing for rental properties
- Flexible qualification requirements
- Up to 80% of the property value
- Primary residence not required
NON-QM Loan
Ideal for those with unique income situations that don't fit traditional lending.
- Flexible documentation
- Credit flexibility
- Tailored solutions
HELOC
A Home Equity Line of Credit gives you flexible access to funds using your home equity.
- Access equity as needed
- Flexible repayment
- Great for renovations
Debt Service Coverage Ratio (DSCR) Investor
For property investors looking to qualify based on rental income.
- Rental income focused
- No personal income verification
- Investment-focused
Asset Utilization
Use your assets to qualify, rather than income.
- Leverage your assets
- No income required
- Flexible terms
W-2 Only
For borrowers using only W-2 income to qualify.
- Simple documentation
- Streamlined approval
- Competitive rates
No Income, No Employment
A flexible option for investors who don't want to verify income or employment.
- Easy qualification
- Investment-friendly
- Quick approvals
Bank Statement
For self-employed individuals who can qualify using bank deposits instead of traditional income verification.
- No tax returns needed
- Flexible requirements
- Competitive terms
Buy before you sell loan
A flexible loan for those who need to buy a new home before selling their current one.
- Bridge the gap
- Less stress
- Short-term financing
Bridge Loan
Buy a new home before your old one sells with this temporary financing.
- Access cash quickly
- Move before selling
- Short-term support
Jumbo Loan
For high-value properties needing larger loans that exceed conforming limits.
- Higher loan limits
- Competitive rates
- Flexible repayment options
VA Loan
Exclusive to veterans, active military members, and their families, providing unbeatable benefits.
- Flexible terms
- Low interest rates
- No surprises
Conventional Loan
A solid option for most homebuyers who have a good credit score and a stable down payment.
- Flexible terms
- Low interest rates
- No surprises
FHA Loan
Perfect for first-time buyers or those with limited down payment savings.
- Low down payments
- Easier qualification
- Competitive rates
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