All Forum Posts by: Debra A.

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Keep it rocking! Talk soon! 

A First time home buyer is simply someone who hasn't had an "ownership interest" in a property in the past 3 years. So, unless i read your post incorrectly...you wouldn't be considered a 1st time home buyer, if you buy a home and then try to buy another one a year later.

NOW, with that being said...to add onto what Chris above was saying - there are a TON of Down Payment Assistant programs that you can use for 1-2 unit properties, some of which are designed specifically for 1st time home buyers, and some of which are not. 

Now, there are also conventional loan programs that are reserved for 1st time home buyers, that in my opinion are just as good if not better than your overly used (in my opinion) FHA loan - if you have good credit, and a decent amount to put down on the home (which of course can be eased by the use of down payment assistance).

Get SMART with your next purchase with a loan made for experienced RE Investors (Investors with at least 12 Months experience).

BENEFITS:

- up to 80% LTV up to $1 MILLION

- delayed financing available

- Renovation/ Fixer Upper Funds OKAY!

- NO income docs needed; NO tax returns, NO pay stubs!

- qualify using the INCOME from the rental - that's it!

Sincerely,

Debra D.

Mortgage Loan Originator

NMLS ID #1519547

631-352-6801 (call/text to apply right now)

631-687-3510 ext 121 (office)

[email protected]

"Integrity is the Benchmark of Excellence."

Get SMART with your next purchase with loans made specifically for experienced RE Investors (Investors with at least 12 Months experience). 

BENEFITS:

- 80% LTV on Purchase & Refi 1-4 Units

- 75% Cash Out, No Seasoning Required, 1-4 Units

- Close in an LLC

- Interest Only, ARM, and Fixed Rate Options Available

Sincerely,

Debra Denimarck

Mortgage Loan Originator

NMLS ID #1519547

631-320-8699 (call/text)

631-687-3510 ext 121 (office)

"Integrity is the Benchmark of Excellence."

Are you thinking of embarking on your first investment opportunity?

Don't you think it would be smart to make sure you have funding options lined up BEFORE making an offer?

I thought so too.

My name's Debra, I'm a licensed loan originator with an excellent brokerage here in NY. We do pretty amazing things. I have access to some of the best programs in the entire nation, specifically tailored for real estate investors, self employed borrowers, entrepreneurs, and the newbies alike. You need it? I got it!   

SOME OF THE TRANSACTIONS I CAN ACCOMMODATE:

- Investment property purchases up to 80% LTV

- JUMBO purchase up to 90% LTV with NO MORTGAGE INSURANCE

- DELAYED FINANCING 

- CASH OUT on your investment up to 75% LTV

- CONSTRUCTION LOANS

- REHAB LOANS

- VA RENOVATION LOANS (primary residences only)

- COMMERCIAL LOANS 

- BRRRR

COMPLETE THIS 7 MINUTE QUICK APPLICATION TO GET PRE-SCREENED AND PRE-APPROVED FAST! 

Click here to complete a secure QUICK APP 

Questions or Comments, please CALL OR TEXT 631-320-8699 

Have a great day!

Sincerely, 

Debra A. Denimarck

Licensed Loan Officer

NMLS ID #1519547

[email protected] 

631-320-8699 (call or text) 

631-687-3510 ext. 121 (office) 

Instagram : @1d2e3b 

What's the minimum amount to invest?

Why is it only $40k??

Get SMART with your next purchase with a loan made for experienced RE Investors (Investors with at least 12 Months experience).

BENEFITS:

- up to 80% LTV on qualified transactions

- delayed financing available

- NO income docs needed; NO tax returns, NO pay stubs! 

- qualify using the INCOME from the rental - that's it!

Sincerely,

Debra D.

Mortgage Loan Originator

NMLS ID #1519547

631-352-6801 (call/text)

631-687-3510 (office)

[email protected]

"Integrity is the Benchmark of Excellence."

OTHER INVESTMENT PRODUCTS ARE AVAILABLE. TAILORED TO YOUR INDIVIDUAL NEEDS AND GOALS.

HARD MONEY PROGRAMS ARE ALSO AVAILABLE. 

QUICK & SIMPLE APPLICATION PROCESS. 

BENEFITS:

- 10% DOWN on 1 UNIT PRIMARY

- 20% DOWN ON 1-4 UNIT PRIMARY

- NO EMPLOYMENT VERIFICATION NEEDED 

- NO INCOME DOCS NEEDED 

- QUALIFY WITH ASSETS ONLY

Sincerely,

Debra D.

Mortgage Loan Originator

NMLS ID #1519547

631-352-6801 (call/text)

631-687-3510 (office)

[email protected]

"Integrity is the Benchmark of Excellence."

Get SMART with your next purchase with the SmartVest Loan, made for experienced RE Investors (Investors with at least 12 Months experience). 

BENEFITS:

- 80% LTV (20% down payment) on 1-4 Unit up to $1 Million with 720 credit (other ratios available with lesser credit), 70% LTV up to $1.5 Million

- No income docs required - qualify using the properties cash flow only

- Adjustable Rate Mortgage, Interest Only and Fixed mortgages available

-  Construction to Permanent available 

Call 631-352-6801 to apply or get pre-approved today! 

Sincerely, 

Debra D.

Mortgage Loan Originator 

NMLS ID #1519547

631-352-6801 (call/text)

631-687-3510 (office)

[email protected]

"Integrity is the Benchmark of Excellence."