Premium Mortgage Corporation (Chantilly, VA) is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools that enable you to make sound financial choices. NMLS ID# 200026 http://mortgage.nationwidelicensingsystem.org Licensed by the Virginia State Corporation Commission License Number MC-2736 Licensed in MD and VA Serving you with Dedication and Excellence --------------------------------------------------------------------------- FHA, Conventional, USDA, Home Path Programs - Flips Less than 90 days allowed in portfolio Product - 96.5% LTV's on Purchases and R/Terms w/580 score - 75% LTV's on Cash Out w/580 score - mortgage 0X30 in the last 12 mo - Rent Free and First Time Home Buyers OK - Gift Funds allowed - 6% seller concessions OK including prepaid items - NO Prepayment Penalties - Work VISA borrowers OK - SFD, 1 TO 4 UNITS, Condos (HUD approved) - Non-Occupant Co-Borrowers Allowed - Non-Traditional Credit Allowed - DTI up to 50% exceptions w/compensating factors - Chapter 7 min 1 yr out w/ extenuating circumstances; otherwise 2yrs - Medical Collections REMAIN OPEN as long as they don't threaten borrower's ability to pay the mortgage - Government Loans cannot be in default as shown in CAIVRS - Tax Liens & Judgments OK with existing Payment Plan