Loan Programs

 

Hal Bradosti

Mortgage Loan Originator
NMLS# 2226225

Call or Text: (703) 843-3969

Email: info@hbradosti.com

Book An Appointment

Here’s the list of major mortgage programs we offer:

For more detail, please click on the link.

  • HELOC
  • FHA3.5% down with the FICO of 580 
  • FHARenovation 3.5% down with the FICO of 620
  • FHA – 10% down with the FICO of 550 
  • FHA – 100% financing with the FICO of 640
  • VA – 100% financing with the FICO of 580 
  • USDA – Rural area – 100% financing with the FICO of 620
  • Conventional – 3% down with the FICO of 620 
  • Investment – 20% down using estimated rental income instead of tax return
  • Rehab – Fix & Flip. Short-Term Financing
  • Self-employed/1099 – Using last 12 months of bank statements instead of tax return.
  • 1099 – Using 50% of the last 2 years of gross income or last 12 months of bank statements.
  • No Income Loan – 20% down with the FICO of 740 
  • ITIN – For non-U.S. citizens and non-permanent residence.
  • EXPAT – Designed for professionals entering the U.S. with a valid work authorization 
  • Foreign National – For Non-Owner Occupied only
  • GIFT funds are allowed
  • Seller help is allowed – Can be used for  3-2-1 buydown
  • We have many more!
 

Please reach out if have any questions

Call or Text: (703) 843-3969

Email: info@hbradosti.com