Some borrowers have the hardest time qualifying for a great mortgage loan because they don’t need much money to live on but have A LOT of money.
Solution: 90% DTI loan program.
  • KEY – Liquidity in reserves (retirement, stock, annuity, bank accounts, etc.) equal to loan amount
  • 90% DTI maximum
  • 660 FICO minimum
  • Fixed rate and ARMs
  • Owner occupied, investment, 2nd home
Loan scenario:
$1.365 million purchase price, 20% down, $1.09 million loan, single family, 740 FICO 7/1 ARM rate at 5.75% no points, 5.94% APR, interest only loan, approved and closing 3/21/23.
I’ve researched over 700 lenders during the last 13 years to find the best loan programs at the lowest rates and fees. When you want the best deal, call Dan the Man for Mortgages at 714-310-4162.
Recent review on Google:
“Great experience with Dan Stone! Could not have gone any better.”  -Marc M.