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30 Year Fixed Rate : 6.75%
0 Points * APR:

15 Year Fixed Rate : 6.25%
0 Points * APR:

FHA 30 Yr Fx Rate : 6.325%
0 Points * APR:

*APRS based on $300k loan amount

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Niche Programs

**Bank Statements for Income**
If you are self employed and you cannot document your income with your last 2 years of tax returns because you take alot of write offs, it is possible to refinance or purchase a home by documenting your income with 2, 3, 12, or 24 months of either your personal or business bank statements. It is also possible to document with a p&l statement and CPA letter stating that you have been in your line of work for at least 2 full years. The mortgage product for this loan is a 5/1 ARM and is in the mid 5%'s. You will need to have some reserves in the bank of at least 6 months reserves for your home and an additional 3 months for each other financed property that you own. For more information or to receive a quote please complete our mortgage quote request form and mention bank statement loan in the comments area.

**Debt Service Coverage Ratio - DSCR**
If you have a rental property and you want to refinance it, however you are not able to do so under conventional or gonverment programs, you may be able to refinance under the Debt Service Coverage Ratio program. (DSCR) Under this progam, the lender will only consider the rental income of your property in comparison to the principal, interest, taxes and insurance and HOA if any. Your personal liabilities will not enter into the calculation nor will any other source of income. These programs are offered at interest rates which are about 1% higher than conventional bank rates however the loans are available as a 30 year fixed rate and interest only payments is available. As long with the ratio of the rental income to the PITIA is 1.0 or greater, you should be able to qualify for this program. For more information or to receive a quote please complete our mortgage quote request form and mention DSCR in the comments area.

**No Income Doc**
If you have an investment property or otherwise have a need to a loan that is for a business purpose, we can help you get a hard money or private money loan. The LTVs are generally lower on these types of properties and the interest rate and fees are more expensive. There are usually points involved however we have tried here at PWC to keep these as reasonable as possible. These loans can be funded in 10 days as opposed to 4-5 weeks normal processing turn times. For more information or to receive a quote please complete our mortgage quote request form and mention they you are seeking a hard money loan.

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