Posts tagged referral flyer
Referral Only - Your Home Opportunity Program - Not Available in All States

Cherry Creek Mortgage Co., Inc. NMLS #3001. This material is informational only and not an advertisement to extend credit as defined by TILA/Regulation Z nor an application for credit as defined by RESPA/Regulation X. All applications are subject to underwriting approval and determining applicant’s ability to repay. Not all applicants are eligible for or qualify for all loan products offered. All loan programs, terms and conditions are subject to change without notice. Rates and terms are valid as of the date of printing/distribution.

*Loan-to-Value, or LTV, is the amount of money borrowed as a percentage of the home’s value. For example, a homeowner with a $80,000 loan balance for a home worth $100,000 has an LTV of 80 percent.

**Mortgage insurance (MI) is an expense that is typically included in many government-backed loans such as FHA. MI helps protect the lender and insurer if you stop paying on the loan.

Your Home Opportunity provides low down payment, fixed-rate financing with NO MORTGAGE INSURANCE

Who is the Your Home Opportunity loan program for?

This low cost, low down payment mortgage program is available for home buyers looking to reduce their out-of-pocket costs and take advantage of fixed-rate financing.

Can the Your Home Opportunity program help a first-time home buyer?

The Your Home Opportunity loan program is designed to help first-time buyers achieve their goal of homeownership by improving affordability, reducing the down payment requirement, and providing the payment protection of a competitive fixed interest rate.

The Your Home Opportunity program:

Pairs our 30-year fixed-rate loan option with the 30-Year fixed-rate 2nd mortgage (which is an interest-only loan).

Allows home buyers to finance up to a combined loan-to-value ratio* of 101%.

Does not require monthly mortgage insurance (MI) payments** that are typically included with low down payment mortgage loans.

Important things to know about the Your Home Opportunity Program:

Eligible states include: AL, AR, CO, CT, FL, IL, IA, IN, KS, LA, MD, NJ, NM, OH, OK, OR, PA, TN, and UT.

For mortgages exceeding 95% loan-to-value, one borrower must be a first-time home buyer as defined by Fannie Mae.

A minimum FICO score of 660 and a debt-to-income ratio less than 50% are required.

Financing options include a 95% or 97% first mortgage combined with a 4% second mortgage for down payment assistance.

Annual income must not exceed 140% of the Area Median Income (AMI) as determined by Fannie Mae.

Fannie Mae-approved home buyer education is required for all borrowers.

Eligible property types include one-unit single family detached and attached homes, planned unit developments, and condos that meet Fannie Mae eligibility requirements and are held as a primary residence (not a rental).

Your Home Opportunity helps you fund your dream home with the assurance of a fixed rate and payment.

Reach out to me today to see how the Your Home Opportunity Program can help you make the leap to homeownership.

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Buyers with Unique Needs Referral Flyer

Of course we offer Conventional, FHA, USDA, VA, Jumbo, Home Renovation, and Home Equity

Conversion Mortagage (HECM)/Reverse Mortgage financing. But did you know we offer a wide range

of niche products to accommodate buyers who are interested in outside-the-box properties or find

themselves in special circumstances?

Find Your Niche

With Our Broad Product Lineup!

Our niche products fit the needs of

unique buyers in uncommon situations...

• Jumbo ARMs to $3 MM

• Jumbo cash out with up to $1.5 MM cash-in-hand

• Condotels

• Kiddie Condos

• Non-warantable condos

• Financing for foreign workers with

employment visas to $1.5 MM

• Financing for expatriates up to $3MM

• Financing for foreign nationals looking to

purchase a second home in the USA

Call me to discuss the financing options we

have available for your buyers with special

circumstances and needs.

Cherry Creek Mortgage Co., Inc. NMLS #3001. The material provided here is intended as educational and informational only and is for distribution to real estate or financial professionals and is not intended for distribution

to consumers; this does not constitute an offer to lend or to recommend available products.

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Product Line Up Referral Flyer

WE HAVE THE PRODUCTS YOUR CLIENTS NEED

You can manage your buyers more efficiently by leveraging our broad selection of products. Whether you are representing a first-time home buyer, or a client looking for jumbo financing for a second home, we’ve got you covered.

Our products offerings fit the needs

of all your buyers...

Conventional

Down Payment Assistance*

FHA

Home Renovation

Jumbo

Reverse Mortgage

USDA

VA

Our service standards and industry experience mean that you can trust us to manage your loan with care and professionalism.

Call me to discuss the financing options we have

available for all of the clients in your pipeline.

Cherry Creek Mortgage Co., Inc. NMLS #3001. *Down payment assistance is not available in all markets - check with your loan officer to learns more. This material is informational only and not an advertisement to extend credit as defined by TILA/Regulation Z nor an application for credit as defined by RESPA/Regulation X. All applications are subject to underwriting approval and determining applicant’s ability to repay. Not all applicants are eligible for or qualify for all loan products offered. All loan programs, terms and conditions are subject to change without notice. Rates and terms are valid as of the date of printing/distribution.

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MI Deductibility Referral Flyer

Cherry Creek Mortgage Co., Inc., NMLS #3001, This does not constitute tax advice. Borrowers should consult their own tax advisers regarding the tax consequences and deductibility of mortgage interest and/

or property taxes. The material provided here is intended as educational and informational only and is for distribution to real estate or financial professionals and is not intended for distribution to consumers;

this does not constitute an offer to lend or to recommend available products.

GIVE ME A CALL IF YOU WOULD LIKE TO LEARN MORE!

Some borrowers can deduct

MI payments from their taxes!

Congress has extended legislation that allows borrowers with incomes

less than $110,000 to deduct at least a portion of their MI payments.

HIGHLIGHTS

• Effective for both refinance and purchase transactions

closed after 12/31/2014. Deduction is available for

MI premiums paid or accrued between 1/1/2015 and

12/31/2016.

• If the adjusted gross income (AGI) is less than or equal to

$100,000, 100% of MI payments can be deducted.

• The deduction is phased out by 10% for each additional

$1,000 of income reported (e.g. if AGI is $101,000, 90%

of MI payments can be deducted; if AGI is $105,000,

50% of MI payments can be deducted).

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Flipped Property Mortgage Guidelines Referral Flyer

Cherry Creek Mortgage Co., Inc. NMLS #3001. Cherry Creek Mortgage is not endorsed by, nor acting on behalf of or at the direction of the U.S. Department of Housing and Urban Development, Federal Housing

Administration, or the Federal Government. This information is for use by real estate professionals only and should not be distributed to or used by consumers or other third parties. Information is accurate as

of the date of printing and is subject to change without notice.

Don’t FLIP out if your

buyer wants to purchase

a FLIPPED property.

Represent your buyers with confidence by

working with us! We know the ins and outs of

guideline requirements for flipped properties, and

by managing the appraisal process in-house, we

make sure that additional appraisal requirements

are handled as efficiently as possible.

We offer the following finance options for

flipped properties...

• Conventional financing for properties

seasoned < 90 days (2nd appraisal may be

required)

• FHA financing for properties that have

increased in value by more than 100% and

are seasoned between 91 and 180 days

(lender - paid 2nd appraisal is required)

Keep in mind the following...

• For FHA, a seller must have held the

property

at least 91 days.

• Seller must be on title at time of sales

contract.

• If MI is required on a conventional loan,

most MI companies require at least 90 days

seasoning.

• Borrowers must meet credit, income, and

asset requirements, and the property and

transaction must meet all of our guidelines -

check with me for more details.

Call me to learn more about

the finance options available

for flipped properties.

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FasTrac Referral Flyer

Cherry Creek Mortgage Co., Inc. NMLS #3001. The material provided here is intended as educational and informational only and is for distribution to real estate or financial professionals and is not intended for

distribution to consumers; this does not constitute an offer to lend or to recommend available products. The material provided here is intended as educational and informational only and is for distribution to

real estate or financial professionals and is not intended for distribution to consumers; this does not constitute an offer to lend or to recommend available products. *To receive a Conditional Loan Approval, a

buyer’s income, assets, employment, and credit history must be reviewed by an underwriter and cleared as acceptable based on the program guidelines for the mortgage product the borrower requests. AUS

findings must also meet the guideline requirements for the requested loan program and transaction.

FasTrac gets your client’s key

loan information in front of our

underwriters as early as possible!

• Our underwriters review your buyer’s income,

assets, employment, and credit history before

an offer is made.

• Once your buyer is approved all that’s left to

review is the property, title, and escrow.

• Your offer gets noticed because your buyer

has a Conditional Loan Approval* for a loan

covering the purchase price.

Get a faster

closing with

FasTrac

Get a FASTER closing with Cherry Creek

Mortgage by connecting with us today!

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Contract Date Guide Referral Flyer

Date Guide

Timing means

everything in real

estate transactions.

Tight deadlines for key

contract events can

lead to a stressful and

inefficient experience

for your clients, your

lender, and you!

Use our Date Guide to

create breathing room

in your contracts and

lay a solid foundation

for a smooth transaction

(and a happy client).

Simply follow the

recommended Target

Deadline for each

required Event as you

write your offer.

Contact me today

for more information

on how I can help

grow your business.

Reference Event Target Deadline

PURCHASE PRICE AND TERMS

Alternative Earnest Money Deadline

Seller or Private Financing Deadline

FINANCING CONDITIONS

Loan Application Deadline

Loan Objection Deadline

Buyer’s Credit Information Deadline

Disapproval of Buyer’s Credit Information Deadline

Existing Loan Documents Deadline

Existing Loan Documents Objection Deadline

Loan Transfer Approval Deadline

APPRAISAL

Appraisal Deadline

Appraisal Objection Deadline

Appraisal Resolution Deadline

OWNERS’ ASSOCIATION

Association Documents Deadline

Association Documents Objection Deadline

TITLE

Record Title Deadline

Record Title Objection Deadline

Off-Record Title Deadline

Off-Record Title Objection Deadline

Title Resolution Deadline

Right of First Refusal Deadline

SURVEY

New ILC or New Survey Deadline

New ILC or New Survey Objection & Resolution Deadline

SELLER’S PROPERTY DISCLOSURE

Seller’s Property Disclosure Deadline

INSPECTION AND DUE DILIGENCE

Inspection Objection Deadline

Inspection Resolution Deadline

Property Insurance Objection Deadline

Due Diligence Documents Delivery Deadline

Due Diligence Documents Objection Deadline

Due Diligence Documents Resolution Deadline

Conditional Sale Deadline

CLOSING AND POSSESSION

Closing Date

Possession Date

Possession Time

Acceptance Deadline Date

Acceptance Deadline Time

4.3

4.7

5.1

5.2

5.3

5.4

5.4

5.4

5.4

6.2

6.2

6.2

7.3

7.4

8.1

8.2

8.3

8.3

8.4

8.5

9.1

9.3

10.1

10.2

10.3

10.5

10.6

10.6

10.6

10.7

12.3

17

17

28

28

1 week from contract date

3-4 weeks from contract date

1 week from contract date

3-4 weeks from contract date

1 week from contract date

2 weeks from contract date

1 week from contract date

2 weeks from contract date

3 weeks from contract date

2-3 weeks from contract date

3-4 weeks from contract date

Appr. Obj. Deadline +3 days

1 week from contract date

2 weeks from contract date

1 week from contract date

2 weeks from contract date

1 week from contract date

2 weeks from contract date

3 weeks from contract date

4-6 weeks from contract date

3 weeks from contract date

3 weeks from contract date

1 week from contract date

2 weeks from contract date

3 weeks from contract date

1-2 weeks from contract date

1 week from contract date

2 weeks from contract date

3 weeks from contract date

3-4 weeks (Loan Objection)

4 weeks (longer for jumbo)

4 weeks (longer for jumbo)

4 weeks (longer for jumbo)

1-2 Days

11:30pm

Cherry Creek Mortgage Co., Inc. NMLS #3001. The material provided here is intended as educational and informational only and is for distribution to real estate or financial professionals and is not intended

for distribution to consumers; this does not constitute an offer to lend or to recommend available products.

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Myths about VA Loan Referral Flyer

Cherry Creek Mortgage Co., Inc. NMLS #3001. Cherry Creek Mortgage is not endorsed by, nor acting on behalf of or at the direction of the U.S. Department of Housing and Urban Development, Federal Housing

Administration, the Veterans Administration, the U.S. Department of Agriculture or the Federal Government. This material is informational only and is not an offer to lend or recommend available products. This is not an

advertisement to extend credit as defined by Regulation Z, nor an application for credit as defined by RESPA/Regulation X. All applications are subject to underwriting guidelines and approval based upon the credit, assets,

value of subject property and borrower’s ability to repay. Not all applicants are eligible for or qualify for all loan products offered. All loan programs, terms and conditions are subject to change without notice.

BENEFITS OF VA LOANS

• Typically no down payment up to locally

variable limits

• Lender (or seller) can pay 100% of the

veteran’s closing costs

• VA loans have competitive rates

MYTHS ABOUT

VA LOANS

Let’s help our deserving veterans buy a home today!

MYTH

VA loans cost the seller a lot more

money than other types of financing.

FACT

There are typically no extra expenses to

the seller with a VA loan.

MYTH

VA benefits expire or can

be used only once.

FACT

A veteran can use his or her VA benefits multiple times

if the old loan is paid off; the benefit never expires.

MYTH

VA loans take a lot longer to close.

FACT

VA loans typically take no longer than other loans to

process, and we review, underwrite and approve in-house.

• No monthly mortgage insurance, but the VA

does require a funding fee, which may be

financed into the loan

• Available 2 years after a short-sale,

foreclosure, or bankruptcy

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Why Are Low Down Programs Popular - Referral Flyer

Cherry Creek Mortgage Co., Inc. NMLS #3001. The material provided here is intended as educational and informational only and is for distribution to real estate or financial professionals and is not intended for distribution to consumers; this does not constitute an offer to lend or to recommend available products. Cherry Creek Mortgage Company is not endorsed by, nor acting on behalf of or at the direction of the U.S. Department of Housing and Urban Development, Federal Housing Administration, or the Federal Government. HUD-184 eligibility requires primary borrower must be an enrolled member of a federally recognized tribe. *Laura Kusisto, “For the first time, a metro’s median home price tops $1 million mark.” MarketWatch.com, August 10, 2016.

According to the National Association of Realtors, buyers in 83% of metro areas across our country are watching home prices continue to rise*. In 25% of these markets, home prices have increased by at least 10% in just the past 12 months! These rising costs - combined with stagnant wages - are increasing the popularity of low down payment mortgage programs.

WHY ARE LOW DOWN PAYMENT MORTGAGES SO POPULAR?

WE HAVE A WIDE RANGE OF LOW DOWN PAYMENT PROGRAMS AVAILABLE.

LET’S TALK ABOUT THE OPTIONS AVAILABLE FOR YOUR BUYERS.

Rising home prices lead to larger down payment requirements and increased closing costs. Low down payment products can help lower a buyer’s out-of-pocket costs.

Many of our popular programs such as FHA, Conventional, and the Native American Section 184 Program offer low down payment options. Other programs, such as USDA and VA, offer no down payment options for eligible borrowers!

Some of our programs allow borrowers to use gift funds to cover some - or all - of their down payment requirements.

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Equity Builder Program - Referral Flyer

Cherry Creek Mortgage Co., Inc. NMLS #3001. Program is available in all states EXCEPT the following: Alaska, California, Hawaii, New York, New Jersey, and Washington.

The material provided here is intended as educational and informational only and is for distribution to real estate or financial professionals and is not intended for distribution to consumers; this does not constitute an

offer to lend or to recommend available products.

We offer a broad selection of mortgage programs because your clients have a wide range of needs. The depth of our

product lineup helps your clients to purchase a home with a confidence that comes from knowing they have the right loan

for their needs.

Cherry Creek Mortgage is proud to further expand our program offerings with our new Equity Builder Program, which

features a shorter amortization period of 20 years and 100% financing—a huge savings for your clients. They’ll not only pay

less in interest over the life of their loan, they’ll also build equity at a faster rate than is possible with a traditional 30-year

mortgage in a stable or improving real estate market.

Program Features Include

Give us a call to learn how your clients can build wealth with

this program and start their journey to financial freedom.

• 100% financing of the purchase price of a home is available.

The loan amount cannot exceed the lower of the purchase

price or appraised value of the home. Costs associated

with the transaction (e.g. closing costs, prepaid interest,

fees paid to reduce the interest rate, etc.) cannot be

included in the loan amount.

• Buyer must contribute 1% or $1,000 (whichever is greater)

towards costs associated with the transaction (e.g. closing

costs, prepaid interest, fees paid to reduce the interest

rate, etc.). This minimum investment can be gifted if certain

conditions are met – check with me for details.

• $475,000 maximum loan amount.

• Adjustable rate mortgage for a 20-year term.

• Lower mortgage insurance costs.

• Available for one-unit single-family homes, PUDs and

condominiums.

Your clients can now

FINANCE 100% OF

THE PURCHASE PRICE

OF A HOME and build

equity faster than ever!

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US Bank - Interest Only - Referral Flyer

Interest Only Jumbo Loans Offer a Great Strategy

for Keeping Luxury Home Housing Costs in Check

Tom Schreiner

Home Mortgage Originator, CML

NMLS #272040

Cherry Creek Mortgage Co., Inc. NMLS #3001. The material provided here is intended as educational and informational

only and is for distribution to real estate or financial professionals and is not intended for distribution to consumers; this

does not constitute an offer to lend or to recommend available products. (CCMC ID #1801.)

6025 S Quebec Street, Suite 280

Centennial, CO 80111

o: 303-488-0479

c: 720-290-1900

tschreiner@ccmclending.com

www.tomschreiner.com

If you’re representing luxury home buyers who are looking for ways to keep their monthly housing costs as low as possible,

our Interest Only Jumbo Loan may offer an attractive solution. This product offers the following features:

• 5/1, 7/1, 10/1 Interest Only ARMs available.

• 75% LTV up to $650,000; 70% LTV up to $1,000,000 and 65% LTV to $1,500,000 allowed for 1-2 unit primary residences.

• 70% LTV up to $650,000 and 65% LTV up to $1,000,000 allowed for 1-unit second homes.

• Non-occupant co-borrowers allowed.

Key program guidelines include:

• 720 minimum credit score required.

• Max debt-to-income of 45% allowed based on fully amortizing payment utilizing a 20-year amortization period.

• Minimum qualifying household income of $150,000/year AND reserves of $250,000 or 24 months PITI (whichever is

higher) required from occupying borrrowers.

Contact me today to discuss the details of this special offering!

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Redwood Non QM Jumbo - Referral Flyer

We offer the Jumbo Plus product for well-qualified buyers who are looking for loan amounts up to

$2,000,000 ($1,000,000 for 1st time home buyers) and have debt to income ratios of 49.99% or less.

• Borrowers with at least $500,000 in assets may be able to qualify for financing based off those

assets rather than a review of their income. Borrowers who are less than 59.5 years old may only

use non-retirement assets for qualification purposes.

• Gaps in employment are allowed within the past 2 years as long as the borrower is with his or

her current employer for six months and can provide a satisfactory letter of explanation. Program

requires a two-year employment history.

• Borrowers, transaction, and property must meet all program guideline requirements. Not everyone

will qualify for this program!

Jumbo Plus offers flexible financing options for luxury buyers

Cherry Creek Mortgage Co., Inc. NMLS #3001. This information is for use by real estate professionals only and should not be distributed to or used by consumers or other third parties. Information is

accurate as of the date of printing and is subject to change without notice.

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Prime Jumbo 90 Percent LTV to 1.5 Million - Referral Flyer

Cherry Creek Mortgage Co., Inc. NMLS #3001. The material provided here is intended as educational and informational only and is for distribution to real estate or financial professionals and is

not intended for distribution to consumers; this does not constitute an offer to lend or to recommend available products

REACH OUT TO ME TODAY – LET’S WORK TOGETHER TO

FIND THE RIGHT MORTGAGE FOR YOUR LUXURY BUYERS.

Key Features and Benefits

• Buyers can borrow up to 90% of the lower of the purchase price or appraised value.

• Loan amounts up to $1,500,000 are allowed.

• Borrowers can choose from 30 and 15-year fixed rate loans or 5/1, 7/1, or 10/1 ARMs.

• Neither monthly nor lender-paid mortgage insurance are required.

• Underwriting is managed by our internal team. Appraisals are ordered through our appraisal panel.

The jumbo mortgage experience

just got a lot simpler.

Our new Prime Jumbo Program offers high Loan-To-Value

options, internal underwriting, and a simple appraisal process,

creating an efficient experience for your buyers - and you!

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Expect More - Referral Flyer

Cherry Creek Mortgage Co., Inc. NMLS #3001. The material provided here is intended as educational and informational only and is for distribution to real estate or financial professionals and is not intended for distribution to consumers; this does not constitute an offer to lend or to recommend available products. *BPMI : Borrower Paid Mortgage Insurance; LPMI : Lender Paid Mortgage Insurance. LPMI may not be cancelled by the borrower; it terminates only when the loan is refinanced or paid off, and it usually results in a loan with a higher interest rate than BPMI unless discount points are added to lower the rate. BPMI may be cancelled or terminated when the loan reaches 80% of the original value of the property.

We’ve served luxury home buyers for decades. We understand their needs and manage their transactions with care and professionalism. Contact me to learn more about our wide variety of jumbo products.

EXPECT MORE.

LUXURY HOME BUYERS HAVE

A WIDE VARIETY OF NEEDS.

Loan amounts up to $2,000,000 available.

Low down payment options available for loan amounts up to $650,000.

Many of our jumbo products do not require monthly mortgage insurance payments.

Debt to income ratios up to 49% allowed for loan amounts up to $1,000,000 (additional reserve funds and higher minimum credit score required).

Cash reserve requirements as low as 6 months available for borrowers with limited assets (loan amounts up to $900,000).

Loan approvals are subject to a full underwriting analysis of income, assets, credit, and collateral.

WE OFFER A BROAD RANGE OF JUMBO PRODUCTS WITH THOSE NEEDS IN MIND.

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Chase - Super Jumbo to 3 Million - Referral Flyer

Cherry Creek Mortgage Co., Inc. NMLS #3001. This material is informational only and not an advertisement to extend credit as defined by TILA/Regulation Z nor an application for credit as defined by RESPA/Regulation X. All applications are subject to underwriting approval and determining applicant’s ability to repay. Not all applicants are eligible for or qualify for all loan products offered. All loan programs, terms and conditions are subject to change without notice. Rates and terms are valid as of the date of printing/distribution.

Agent Name Job Title Here

Office: (XXX) XXX-XXXX

Mobile: (XXX) XXX-XXXX

agentname@ccmclending.com

XXXX Street Name

City Name, ST XXXXX

NMLS# XXXXXX

If you’re in the market for a luxury property, it’s important to work with a lender who will manage your loan with professionalism, communicate effectively with you and other parties to the transaction, and pay careful attention to the specialized requirements found when larger loan sizes are in play. With over 30 years of experience in providing jumbo financing to luxury home buyers, you can place your confidence in us to make your dream home a reality.

Our Super Jumbo program offers the following great features…

Loan amounts up to $3,000,000 available

85% Loan-To-Value allowed

Owner occupied residence

Mortgage insurance is not required

24 months reserves are required

Additional underwriting guidelines apply – contact me for details

Looking for a loan of up to $3,000,000 for your luxury home?

Reach out to me today to learn more about this remarkable loan program!

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Chase - Luxury Home Buyers Deserve - Referral Flyer

LUXURY HOME BUYERS deserve a mortgage that exceeds their expectations

Contact me to learn more about our jumbo offerings!

Our jumbo mortgage product offer loan amounts large enough to accommodate the need of your luxury home buyers, and our guidelines offer appealing benefits for clients needing larger loan amounts.

$2,000,000 loan amounts available for purchase and rate/term refinance transactions (owner-occupied and second homes)

Interest-only ARMs available with reduced

loan-to-value allowances

Non-occupant co-borrowers allowed

Gift funds acceptable with minimum 5% borrower contribution required

No acreage limits

*Cherry Creek Mortgage Co., Inc. NMLS #3001. The material provided here is intended as educational and informational only and is for distribution to real estate or financial professionals and is not intended for distribution to consumers; this does not constitute an offer to lend or to recommend available products.

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B of I - Five Million Dollar Loan - Referral Flyer

Cherry Creek Mortgage Co., Inc. NMLS #3001. The material provided here is intended as educational and informational only and is for distribution to real estate or financial professionals and is not intended for distribution. Rates

and terms are valid as of the date of printing/distribution. This ad is not an offer for an extension of credit and is not a commitment to lend. Rates and terms are subject to change without notice. Rates and terms may

vary depending upon risk analysis, collateral quality and other factors.

OVERVIEW

The value of a partnership with us lies in our

flexibility and creativity to craft mortgages with

affluent clients’ financial management needs in

mind. Our innovative line of Jumbo ARM solutions

will help you to exceed the expectations of this

group of experienced homeowners.

• Portfolio Lender

• Focus on A+ quality full doc loans

• Expanded Guidelines: Loan amounts to

$5,000,000 (may go higher, case by case basis)

• Exception Lending: Simple process and quick

turn-around

Are you representing

home buyers looking

for mortgage financing

up to $5,000,000?

PROPERTY TYPES

• Single family primary residences

• Second homes or vacation properties

• Investment properties

• High land-to-home value

• Agency project condo financing

• No limits on acreage

• Unique properties considered

LOAN PRODUCTS & FEATURES

• We specialize in Jumbo ARMs

• Interest-only options available

• Vesting Title in Entities Program - LLC’s trusts,

partnerships & sub S corporations

• Pledged Asset Loan Program: 90% financing for

borrowers with complex investment portfolios

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Associated Bank - Midwest Jumbo and Niche - Referral Flyer

Cherry Creek Mortgage Co., Inc. NMLS #3001. Product only available in the following states: Illinois, Indiana, Iowa, Kansas, Michigan, Minnesota, Ohio, and Wisconsin. The material provided here is intended

as educational and informational only and is for distribution to real estate or financial professionals and is not intended for distribution to consumers; this does not constitute an offer to lend or to recommend

available products.

If your clients have unique needs that don’t neatly fit within typical mortgage

program requirements, take a moment to check out our Midwest Jumbo Portfolio

Program. It offers a great selection of outside-the-lines features including:

• LTVs up to 95% to $650,000 and 90% to $1,000,000

• Non Warrantable Condos up to 95% LTV

• Loan sizes from $30,000 to $1,500,000 with one appraisal

• LTVs up to 85% for cash-out

• Asset depletion can be used for income qualification

• Non-occupying coborrowers allowed

Contact me today to learn more about how I can help your

borrowers who have non-traditional needs.

MIDWEST JUMBO

PORTFOLIO PROGRAM

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Alliant Low Down Payment - Referral Flyer

Cherry Creek Mortgage Co., Inc. NMLS #3001. The material provided here is intended as educational and informational only and is for distribution to real estate or financial professionals and is not intended

for distribution to consumers; this does not constitute an offer to lend or to recommend available products. *BPMI = Borrower Paid Mortgage Insurance; LPMI = Lender Paid Mortgage Insurance. LPMI may not

be cancelled by the borrower; it terminates only when the loan is refinanced or paid off, and it usually results in a loan with a higher interest rate than BPMI unless discount points are added to lower the rate.

BPMI may be cancelled or terminated when the loan reaches 80% of the original value of the property.

Are your jumbo buyers looking for a low down payment mortgage?

Contact me today to learn more about this exclusive program

If your clients are looking for high loan to value financing for loan amounts that exceed

conforming requirements, our High Loan to Value Jumbo Product may be a perfect fit!

This unique program offers low down payment options that allow borrowers to limit their

out of pocket costs and preserve their assets for other investments.

• Loan to value as high as 95% with

loan amounts up to $850,000.

• Loan to value as high as 90% with

loan amounts up to $1,250,000.

• No borrower-paid monthly MI*.

• 5/1, 7/1, & 10/1 ARM. 15 or 30 yr Fixed Rate.

• Debt-to-income ratios as high as

43% allowed.

• Appraisal ordered through our

panel of approved appraisers.

Read More