Long-Term Investor Loan

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Dear Investor: We look forward to working with you.  If we may be of further assistance, please do not hesitate to call.  Thank you for your time and consideration. To your success! Judd Brown                 Loan Highlights

Judd Brown "PRIDE-HONOR-INTEGRITY"

Get rid of your current 14%, 15%, 16% or higher interest rate and refinance to:

Low Low Rates* (Depending on situation)
4 Points**
No Balloon with some programs
Minimum Loan $35,000
Minimum 12 Months Interest with some programs
LTV Parameters: 65% to 70% to real estate investors**

*  The rate could change or not be available at commitment or closing.
** Sufficient equity and/or a higher rate or points may be required.

This is more ideal for longer term mortgages/buy and holds. This offer is subject to change or withdrawal at any time. First Position only.
 

Steps Regarding Your Loan Application

Please make copies of the loan application to have on hand for future transactions.

1. We will give you a loan amount up to 65-70% LTV.

2. We will fax you the paperwork to fill out regarding your credit and property information.

3. We will pull your credit and go to inspect your property.  Property inspection fee is $100 and will    be added to your closing costs, along with our doc prep and processing fee, which is $350.

4. RUSH closings are available (72 hours or less from Title Search and Examination, then 72 hours or less) for a $300 up-front nonrefundable fee.

 Items Required For Mortgage Application
No need to print this page, it will print with the application

You will need to fax the following (the below items are again listed in the download):

1. Uniform Residential Loan Application:  This is the standard application form used for any Mortgage transaction. Please be as thorough as possible. If married, please have spouse complete the right side of the application.  Co-Borrowers should complete a separate application.  Because this is a Stated Income loan, the income you state on the mortgage application is the income that will be used to qualify you.

2. Borrowers Certification & Authorization Form:  This form is self-explanatory - sign, date, and add social security number at bottom of form (both to sign if joint application).

3. Self-Employed:  If you are self-employed we will need a copy of either your business license or a letter from your accountant.  Because this is a Stated Income loan, the income you state on the mortgage application is the income that will be used to qualify you.

The Closing Process

1. Fax back the full application, executed certification, and if self-employed a copy of your business license or accountant letter, and recent credit report (if you have one) otherwise we'll pull it for you. Please call (561) 723-4182 to confirm receipt of all information you have faxed.  Fax to (561) 204-5829.

2. After the property inspection and all your paperwork has been faxed to us we will give you a firm loan commitment which includes the loan amount, percent, and points.

3. The title company will start their lien search to obtain clear title (estimated time is 10-14 days).  You will need to provide how you are purchasing the property, i.e. corporation, trust, LLC, and who is the President of the entity.  You must also provide the buyers name, phone, fax and address, the sellers name, phone, fax and address, any real estate agents names, phone, fax and addresses and anyone who will be attending the closing to provide to them with the location and time of the closing.

4. Once the title company has obtained clear title they will fax us a title commitment and we will close shortly.

5. We will prepare the mortgage documents.

6. We will confirm with the title company the closing date and time.

7. Please understand if you need a "rush closing" an extra fee will be charged.

Borrower Checklist for Closing

You will need to bring these items to closing:

    1.     Hazard and Wind insurance that covers vacant property and proof of payment, please fax this
            document to us 24 hours prior to closing for our review.
    2.     Your cashiers check for the closing cost due.
    3.     Your corporate seal and tax id number for your entity.
    4.     Your driver's license.

After printing this form:
1.  SIGN & DATE at the bottom of the page.
2.  COMPLETE OTHER INFORMATION at the bottom of the page.
3.  Please complete as thoroughly as possible.
4.  Contact us to schedule an appointment. Call us direct! (561) 723-4182

You may save this form to your computer desktop and complete it at your leisure using your computer keyboard. Please do not forget to SAVE a completed copy. When you have completed the form, print and fax to: (561) 204-5829. If you need assistance with any of the questions, call Judd at (561) 723-4182.

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For more information E-mail Judd:    Judd@BrownLendingGroup.com

Privacy Statement  1. We do not sell or transact business of any kind on-line.  Our only contact with you will be a response to our forms completed by you. We do not collect e-mail addresses, and therefore cannot sell them or any personal information, nor do we use a third party to manage our e-mail information. If you would be more comfortable not sending this e-mail you may contact us by phone at (561) 723-4182. 2. Brown Lending Group does not sell or knowingly transmit information to other sources. Any e-mail inquiries or information collected from this website will be used solely for communication purposes and will not be added to any opt in mailing lists or sold to any third party.