Loan Programs & Specialty Loan Programs

If you have any of the following needs, we have loan programs for you:

Whether you are refinancing your current home or a first time homebuyer, need down payment assistance, FHA/VA/USDA, JUMBO, New Construction, a Home Builder wanting to build and retain houses for your porfolio, an investor needing no employment or income verifications, a self employed borrower who cannot show income on tax returns, an investor needing a short term fix and flip loan, a commercial property owner/investor, a foreign national/ITIN borrower wanting to purchase in the USA, have low credit scores or wanting to start your investment portfolio;

Unlimited Mortgage Resources LLC has loans to meet your every need. Please call us to discuss the many loan options or simply "Apply Online" and we will immediately begin processing your loan application: 

Self Employed Borrowers
Do NOT accept turn downs!!! The most difficult thing a borrower can do is being turned down by conventional banks/lenders due to their inability to show income on tax returns. We have approved numerous borrowers previously turned down by banks and lenders. We have both personal and business bank statement programs available which is not available with conventional lenders/banks. If you've been turned down or are a realtor/builder with a self employed borrower contact us today!

Investor Advantage-NO INCOME or EMPLOYMENT required 
Our Investor Advantage Program allows investors to purchase a property without needing to verify income or employment. We have programs that underwrite and approve the loan based on the properties ability to cash flow with a DSCR as low as .75% with up to $1.5MM loan amount and up to 80LTV. 

Builder/Developer New Construction Loans With Ability To Hold Properties In Portfolio 
If you are a builder/developer wanting to build new construction single and multi family homes, whether you choose to sell the house after completion or hold onto the property as rental investment, we have programs to suit your desire! No need to provide proof of income, the equity in the new construction and/or investment retainment with rental income ability carries the undewriting approval requirements. Call us today to learn more about this much coveted new construction program today!

Foreign National/ITIN Loans
If you are like most coastal real estate professionals you have clients from other countries wanting to purchase investment properties in the US. We have numerous programs available for foreign nationals with or without a social security number/ITIN. Loan to value and qualifications vary depending upon available credit, down payments and property types. Multi family properties are acceptable for these programs.

Non Warrantable Condos-Mixed Use Properties
We have programs available for all of your non warrantable and/or mixed use property needs

Fixed Rate Mortgages (FRM)
The most common type of loan option, the traditional fixed-rate mortgage includes monthly principal and interest payments which never change during the loan’s lifetime.

Adjustable Rate Mortgages (ARM)
Adjustable-rate mortgages include interest payments which shift during the loan’s term, depending on current market conditions. Typically, these loans carry a fixed-interest rate for a set period of time before adjusting.

Hybrid ARMs (3/1 ARM, 5/1 ARM, 7/1 ARM, 10/1 ARM)
Hybrid ARM mortgages combine features of both fixed-rate and adjustable rate mortgages and are also known as fixed-period ARMs.

FHA Loans
FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal down payment.

VA Loans
VA loans are mortgages guaranteed by the Department of Veteran Affairs. These loans offer military veterans exceptional benefits, including low interest rates and no down payment requirement. This program was designed to help military veterans realize the American dream of home ownership.

Interest Only Mortgages
Interest only mortgages are home loans in which borrowers make monthly payments solely toward the interest accruing on the loan, rather than the principle, for a specified period of time.

Components of an ARM
Prior to choosing a home loan, you should know the advantages and risks of adjustable-rate mortgages to make an informed, prudent decision.

Commonly Used Indexes for ARMs
This article includes a list of the most commonly used indexes by ARM lenders that affect ARM mortgage rates.

Balloon Mortgages
Balloon mortgages include a note rate that remains fixed initially, and the principal balance becomes due at the end of the mortgage term.

Reverse Mortgages
Reverse Mortgages allow senior homeowners to convert a portion of their home equity into cash while still living in the home.

Graduated Payment Mortgages
Graduated Payment Mortgages are loans in which mortgage payments increase annually for a predetermined period of time (e.g. five or ten years) and becomes fixed for the remaining duration of the loan.

What kind of loan program is best for you?
Should you get a fixed-rate or adjustable rate mortgage? A commercial, investment, new construction, conventional loan or a government loan? Deciding which mortgage product is best for you will depend largely on your unique circumstances, and there is no one correct answer.

That is why we are UNLIMITED MORTGAGE RESOURCES with the largest porfoliio of lending products available to meet every borrowers unique lending needs!