We have the best purchase and loan Options
We specialize in the best mortgage loans available throughout the state of California!
Our programs include FHA, VA, FannieMae and FreddieMac loans. We have the NO MONEY DOWN loan options that many buyers need. Other options include Jumbo loans, Reverse Purchases, Buy and Rehab in One Loan and Special Financing for credit challenged clients. We can also refer you to the best Commercial, Alternate and Private Financing investors that you might need.
We are experts at handling the complexity of mortgage lending.
We know how to do a quick and thorough interview, so we can give you an accurate loan pre-approval. Our veteran loan processing staff knows how to prevent surprises by analyzing your documentation up front. Since we are also real estate transaction coordinators, we know how to manage and expedite your transaction from start to finish.
for any information, call TOM FLECKY at: 951-903-3883 / [email protected] / nmls: 366289
Grand Avenue Lending / 4420 E. Miraloma Ave #M, Anaheim, CA 92807
WHOLSALE PURCHASE DISCOUNTS
BUY 30% OFF WITH CASH
Wholesale homes are available to cash buyers at big discounts. You just have to be patient and wait for the home you want.
BUY 25% OFF FROM INVESTOR
We have buyers who will buy the home with cash so you can get your offers accepted. Then you buy the home immediately from the investor.
BUY 15% OFF AT AUCTION
Various types of auctions are available to buy a home at a discount using regular mortgage financing.
BUY 10% OFF FROM FSBO
You can buy a home directly from the Seller at a discount and use regular mortgage financing.
SPECIAL PURCHASE OPTIONS
BUY HOME AND PAYOFF IN 7 YRS
This is done with a special mortgage that runs through a bank account that takes your surplus funds and pays down your mortgage.
BUY MULTI-UNIT AND LIVE FREE
You can use fha financing to buy a 4plex and the renters will cover your monthly mortgage.
BUY MIXED-USE AND LIVE ONSITE
You can buy a property that includes a private residence and run the business (or rent it out) and live onsite.
LEASE OPTION AND PURCHASE
You can find a home and the program will buy the home for you and give you the option of taking ownership when you are ready.
SPECIAL PURCHASE OPTIONS
BUY AND REHAB PURCHASE
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BUY AND ADD POOL IN 1 LOAN
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BUY AND HAVE NO PAYMENT
This can be done using the fha reverse purchase program.
BUY NEW HOME FROM BUILDER
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LOWERING YOUR COSTS
BORR V. LENDER PAID LOANS
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LENDER REBATE CREDITS
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SELLER CONCESSIONS
This can be done using the fha reverse purchase program.
BUYER AGENT CREDITS
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CONVENTIONAL LOANS
FANNIE MAE LOANS
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FREDDIE MAC LOANS
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NO MORTGAGE INSURANCE
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ADJUSTABLE RATE LOANS
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OTHER LOAN OPTIONS
BUY SECOND HOMES
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BUY VACATION PROPERTIES
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BUY
LAND ONLY
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BUY HOME ON LEASED LAND
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OTHER LOANS OPTIONS
SHORTER TERMS 10-15-20-25 YRS
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PIGGYBACK 2ND PURCHASE LOANS
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INTEREST ONLY OR 40YR LOANS
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BUY INTO AN HOA OR POA
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OTHER LOANS OPTIONS
BUY FROM A TRUST
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BUY WHILE IN PROBATE
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BUY AS A SHORT SALE
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BUY A BANK FORECLOSURE
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GOVERNMENT LOANS
FHA
LOANS
Only 3.5% down and the lowest rates. Lenient underwriting. Can buy, refinance, or do buy/rehab loans.
QUALIFYING ISSUES
Back end debt ratios as high at 54% thru DU desktop approvals.
VA
LOANS
0.0% down and the lowest rates. For veterans. Can buy, refinance, or do buy/rehab loans.
QUALIFYING ISSUES
Back end debt ratios as high at 54% thru DU desktop approvals. Can do refinances up to 100% and jumbo loans with no money down.
USDA
LOANS
0.0% down, similar to FHA loans. Must be in a rural area. Can buy, refinance, or do buy/rehab loans.
QUALIFYING ISSUES
Back end debt ratios as high at 54% thru DU desktop approvals.
STREAMLINE
REFINANCE
Government loans allow a rate & term refi with no appraisal needed.
QUALIFYING ISSUES
Only 3.5% down and the lowest rates. Lenient underwriting. Can buy, refinance, or do buy/rehab loans.
GOVERNMENT LOAN OPTIONS
BUY MODULAR HOME
BUY MANUFACTURED
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BUY LAND & ADD MANUFACTURED
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MOBILES IN PARKS
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DOWN PAYMENT ASSISTANCE
CALHFA
GRANT
DOWN PAYMENT ASSISTANCE PROGRAM
The money you put “down” or the down payment on your home loan can be one of the largest hurdles for many first-time homebuyers. That’s why CalHFA offers several options for down payment and closing cost assistance.
OTHER
GRANTS
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USING GIFTS FROM A RELATIVE
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MCC TAX BENEFIT
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REHAB LOANS
CONSTRUCTION LOANS
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FANNIE
REHAB
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FHA
203K REHAB
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ADD 2ND UNIT TO PROPERTY
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JUMBO LOANS
HI-BALANCE
AREA LOANS
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5% DOWN
JUMBO
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INTEREST
ONLY
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SUPER
JUMBO
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SELF-EMPLOYED BORROWERS
FULL QUALIFY LOAN
5% down
1 YEAR
TAXES
15% down
AVERAGE DEPOSITS
20% down
ASSET
DEPLETION
20% down
P&L STATEMENTS ONLY
20% down
NO EARNINGS
VERIFIED
20% down
X
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X
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INVESTMENT LOANS
NON-OWNER CONVENTIONAL
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ADD ONE RENTAL EVERY 2 YEARS
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BUY RENTAL AND ADD ADU OR SQFT
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BUY RENTAL AND DO B&B BUSINESS
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ALTERNATE LOANS
LOW CREDIT
LOANS
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REVERSE MORTGAGE
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ITIN
LOANS
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FOREIGN
NATIONAL
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SPECIAL LOANS
CONDO
APROVAL
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BUY HOME ON LARGE LOT
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MARIJUANA FARM LOANS
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AGRICULTURAL LOANS
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SPECIAL PERSON LOANS
DOCTOR
LOANS
Purchase with no down payment or mortgage insurance and looser qualifying requirements.
GOODNEIGHBOR LOAN
You can buy a HUD home for 50% of the appraised value when the house is located in a specified area
HOMES FOR HEROES
partners with real estate agents, lenders, and title companies to help first responders save on home buying expenses.
INDIAN HOME LOANS
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HOME EQUITY LINES OF CREDIT
FIXED RATE HELOC
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X
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X
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COMMERCIAL LOANS
X
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X
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X
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PRIVATE LOANS - (we refer you to other companies)
30% DOWN ON FIRST FLIP
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10% DOWN AFTER 3 FLIPS
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0% DOWN AFTER 5 FLIPS
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BRIDGE
LOANS
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ADDING MORE PURCHASE OPTIONS…
- FHA and VA down to a 500 Credit Score (Must meet satisfactory credit guidelines which are defined in the chart below. This means we are allowed no thirty-day late payments in the last 12 months for housing and installment but allowed 2 thirty-day lates in the last 2 years for housing and installment. We are allowed a max of 2 sixty-day late payments for revolving in the last 12 months. 30-day lates don’t matter for revolving. Lates over 1 year old for revolving don’t matter. Medical Lates don’t matter. Lates on charged off/Collection accounts do matter.) FHA Score 500-579 Require 10% Down Payment. 580+ Score Require 3.5% Down Payment. VA 100% Financing
- Down Payment Assistance Programs (DPA) (Grants)
- Higher than normal DTI (Debt-to-Income) with DU/LP Approval
- Manufactured Homes (Single/Doublewide) Must include land.
- USDA down to a 580 Credit Score
- Self-Employed Programs (No Tax Returns Needed) 12 Months Bank Statement (Up to 90% LTV depending on credit score) 2 Years Self-Employed
- FHA/VA/USDA/Conventional Renovations Loans
- Property Investor Loans (DSCR- No income documentation need)
- Jumbo Loans up to 90% LTV (Loan to Value)
- Medical Field Programs
- HELOC Options available down to a 640 Credit score
- Buydown Options
- ITIN and Foreign National Loans
- Work Visa, Student Visas, EAD Card, DACA to 80% LTV – no credit required.
- Non-Warrantable Condos and Condotels OK
- Construction To Perm Loans (One Time Close)
- FHA/VA (NO SCORE) Still get max financing. (Must have non-traditional tradelines reporting for at least 12 months, at least one has to be housing related.)
- Bridge Loans
No down doctor loans
First Time Home Buyers – No Down Payment or Costs
Special Loans for police, fire, medical Clients
Adjustable Loans
Shorter Loan Terms – 10, 15, 20, 25 years
Piggyback Second Loans to avoid PMI
buying into a Trust
Buying a Home in Probate
Senior loans, downsize home and buy with no house payment
buy land and build modular
buy and flip homes
buy rental and turn into airbnb
add a rental each 2 years
Lease Option – take over in 2 years
Tom Flecky
Tom has over 20 years experience in Real Estate and Mortgages.
He has a TEAM OF REALTORS who partner with him and help Buyers and Sellers get the smartest solutions to meet their dream scenarios. We specialize in buying and selling homes in Southern California!
Tom has also been doing MORTGAGES for many years. Our company GRAND AVENUE is a broker with over 40 banks and investors to choose from. We have access to all the great loan programs and can offer the LOWEST INTEREST RATES in the nation.
Real estate is one of the largest and most exciting investments one can make. We are here to make sure that your process is a fun and rewarding one!
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