McLellan Team has the widest variety of loan products available. That's because we're not just mortgage bankers, we're also brokers and private money lenders, meaning we can get more creative than banks and other brokers when a popular loan program doesn't work for you.
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Complete List of Products
ADDITIONAL LOAN OPTIONS
Jumbo loans to $15MM
10% down up to $2MM with no MI
100% gift funds allowed for down payment
One year self-employed loans and one year tax tax return loans
Fully blended debt ratios using a non-occupant co-borrower
FHA and VA loans
Down payment assistance program
Interest only loans on investment properties
Reverse Mortgages for home purchases
Derogatory credit flexibility - 1 day out of a short sale or 2 years after a BK
Foreign National loans
Conventional loans with as little as 1% down
Debt ratios up to 50% on jumbo loans
Private and Hard Money loans
Alternative document programs including bank statement and no tax return loans
Cross collateralization loans
Vesting in LLC's and Blind Trusts
Asset income calculation formulas used to help qualify
Construction and rehab loans - including spec homes
Thinking about refinancing? Our expert mortgage advisors will help you assess if refinancing is a good option for you right now. For example, if you currently have an ARM (adjustable rate mortgage) and mortgage rates are lower than when you bought, refinancing could allow you to secure a better rate that will save you money on your monthly mortgage payment. Or, if you've paid off more of your loan than the amount you owe, you may be eligible for a cash-out refinance that could put extra money in your pocket for projects, education, or even a down payment on another home.
Whatever goal you're looking to accomplish with refinancing your home, we will guide you to the best option, and we'll search thousands of deals to see if we can get you a better rate.
*Mortgage Rate Assumptions
Rates shown assume a purchase transaction. Rates are subject to change without notice. Closing Costs assume that borrower will escrow monthly property tax and insurance payments. Subject to underwriter approval; not all applicants will be approved. Fees and charges apply. Payments do not include taxes and insurance. Guaranteed Rate - 40 Day Rate Lock. Mortgage insurance is not included in the payment quoted. Mortgage insurance will be required for all FHA and VA loans as well as conventional loans where the loan to value is greater than 80%. Restrictions may apply. Lender Fee $1,290 Appraisal Fee $400 Title Services or Lenders Title Insurance $200