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Graham Parham
  • Lender
  • Dallas, TX
22
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68
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Great Conventional Lender for TX, TN, MO, FL, GA, AL, KS, IN, CA

Graham Parham
  • Lender
  • Dallas, TX
Posted Mar 20 2016, 13:05

Graham W. Parham been a Mortgage Loan Officer for over 19 years with 25 years in sales and marketing. He is a leader of financial expertise in the North Texas residential real estate market, developing a significant following among home buyers and investors. Known and respected industry-wide, Graham’s production consistently ranks him as a top producer in this market place.

Graham offers invaluable insight into a purchasers likely requirements, providing an exceptional business ethic of customer service and respect, catering to their needs from pre-qualification to closing. He is a truly dedicated person, who strives to ensure that each transaction is handled in a timely and stress free manner. By employing these standards, Graham has established a solid reputation for going the extra mile to put together the absolute best financing available for his clients. Graham prides himself on staying ahead of the curve, keeping up to date with the latest products and industry trends.

As an active investor himself, Graham has a strong insight on what his investment buyers are looking for to accomplish their short and long term goals. Knowing that investment loans strongly scrutinized, it is up Graham his team of underwriters who understands rental property loans versus that of an owner occupied residence. His general knowledge of REO properties and Turnkey providers coupled with a strong operational staff allow his loan closings to be seamless and "On Time Every Time"

Highlands Residential Mortgage, LTD. is completely submerged in the real estate investing industry and has access to many lenders nationally. Our clients benefit from up to date guidance on all conventional investor loan programs, and less known creative financing strategies. Knowing that an investment loan will be far more scrutinized, it is Graham Parham and his team of underwriters who understand a loan processed for a rental property versus that of an owner occupied residence.

Just as you would not seek legal counsel from someone who does not have a law degree, nor should you trust a loan originator for your investment property loan from someone that is not an investor themselves. Highlands Residential Mortgage, LTD. is an unparalleled mortgage lender whose delivery sets us apart!

Graham Parham’s team mission is to consult every investor based on those individualized situations and goals. Whether you are buying your first home or investment property, we carefully look at your options that will give you the best opportunity for success. Because we know how important your investment financing strategy is, our extensive research and knowledge of those programs will be brought forward in educating you as an investor, throughout the lending process.

“My goal is to continue assisting my clients for life and help them meet the ever-changing needs life throws our way!”

Conventional Financing Guidelines

Investor Loan Programs 1 - 6 Loans

  • 20% Down Payment available for Single Family
  • 30, 20, 15 & 10 Rate Programs
  • Adjustable Rate Loan Programs
  • Minimum Credit Score of 620
  • Cash Reserves – 6 Months on subject property and 2 months on all other properties owned
  • No prepayment penalties
  • H.E.L.O.C. Fund allowed for down payment and closing cost
  • No Gift Funds allowed
  • Revocable Family Trust allow for titlement
  • Entity vesting not allowed, i.e. LLC's, LP's, and S-Corp's
  • Eligible Borrowers, US Citizen, Permanent resident Aliens, US Visa.
  • Ineligible Borrowers – Foreign Nationals
  • 1031 Tax Exchanges allowed

Investor Loan Programs 7 - 10 Loans

  • 25% Down Payment available for Single Family
  • 30 & 15 Rate Programs
  • Minimum Credit Score of 720
  • Cash Reserves – 6 Months on all properties owned
  • H.E.L.O.C. Fund allowed for down payment and closing cost
  • No Gift Funds allowed

You can Reach me anytime:

Graham W. Parham

Senior Loan Officer

State Specific Websites:

Alabama, California, Florida, Georgia, Indiana, Kansas, Missouri, Texas, and Tennessee

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