THINGS WE DO THAT BANKS DON'T DO IN NEW YORK!

THINGS WE DO THAT BANKS DON'T DO IN NEW YORK!

Here are a few of our highlights…
1. When having multiple borrowers, we use the highest wage earner’s middle score, rather than the lower of the two middle FICOs.
2. We can go up to 55% DTI on our loans.
3. We can get up to 90% on bank statement loans with 740+ FICO
4. We can do loans for borrowers without socials who have an ITIN number, and we don’t ask for proof of entry like a visa.
5. We can do non warrantable condos up to 80% LTV.
6. We can look at business OR personal for bank statement loans, and can go down to a 10% expense ratio with a CPA justification.
7. We can do a P&L loan for DSCR clients and get them a lower rate / higher LTV.

Here are some of our most recent fundings that some of my competitors were not able to do.
1. Cash out consideration for 699 FICO, 80% LTV
2. Purchase consideration for 85% LTV, 699 credit score
3. Foreclosure consideration: 12 months - max LTV 70% MIN FICO660 Purchase only
4. Received a consideration on a 38 Acre property due to great comps, Income and 60% LTV.
5. Consideration for 90% LTV 740 FICO purchase deal
6. Consideration for 27 acres 1.5 mil loan amount in b/c of comps in area
7. 22 instead of 24 months of self-employment history - got consideration for a realtor who previously was just renting out his duplex to still qualify for bank statement loan
8. Was able to fund a rural property due to comps in the area

Below are a few highlights of the programs we offer….

1. P&L Only Program *may not require any bank statements
2. 1099 Only Program
3. 55% DTI Programs
4. *Non-Warrantable Condos up to 80% (65% NY) – up to 100% Investor Concentration
5. ITIN Program for Clients without a SSN
6. Bank Statements – Personal or Business
7. Investment Properties (No DSCR)
8. 2 Yr Seasoning for BK/Foreclosure/Short Sale
9. Mortgage can be 1 x 30 in the last 12 months
10. Asset Qualifier – eligible assets lower of $1,000,000 or 150% of the loan balance

Joseph Failla
FAILLA FUNDING
Office: (718) 966-6760
Mobile: (917) 294-1506
Web Site: FAILLA.COM

THIS MAIL OR ADVERTISEMENT, HAS BEEN PREPARED FOR THE SOLE PURPOSE OF DISCUSSING FINANCING OPTIONS. THIS IS NOT A COMMITMENT OR OFFER TO PROVIDE ANY FINANCING
WHETHER DESCRIBED HEREIN OR OTHERWISE. # 40506
Registered mortgage Broker. NYS Department of Financial Services. Loans arranged with third party providers.

THERE IS NO SUBSTITUTE FOR OUR 30 YEARS OF MORTGAGE EXPERIENCE!!

We have been providing all types of mortgages and loans since 1988!

Don't waste your time and money with inexperienced scripted sales agents.

Let us earn your business and get you a mortgage that fits your needs.

You can call or visit us at www.failla.com

I am looking forward to speaking with you.

Joseph

FAILLA FUNDING

917 294 1506

Web: www.failla.com

BANK TURNED YOU DOWN THEN GET BACK UP WITH FAILLA FUNDING!

 BANK TURNED YOU DOWN THEN GET BACK UP WITH FAILLA FUNDING!

CASH OUT, BUY OR REFINANCE RE WITH NO PERSONAL OR BUSINESS INCOME! (NATIONWIDE)

Thats right, now you can buy investor real estate without stating or proving your income!

All types of real estate is considered.

Can buy in personal or corporation.

We also have a program, if property needs work.

Call us for free consultation.

We have 30 plus years in renovation and investor funding experience.

Call Joe for a free review. 917 294 1506

We' are seeking $100k to $3MM + loans for:

Fix-n-flip,

Bridge

Long-term loans (30 year fixed)

Investment property types: Single Unit, 2-4 unit, 5-10+ unit multifamily, townhomes, and condos.

If you want to renovate a property for resale or to hold, as far as leverage is concerned funding can be.

Up to 80% of the PP/Value w/o Rehab or with Rehab 85% of the PP and 100% of Rehab Holdback.

We will need:

The loan scenario

The property address.

Your Middle FICO

The current value

The after-renovation value.

Number of transactions you completed with addresses.

Joseph Failla

FAILLA FUNDING

Phone: (917) 294-1506

THIS MAIL OR ADVERTISEMENT, HAS BEEN PREPARED FOR THE SOLE PURPOSE OF DISCUSSING FINANCING OPTIONS. THIS IS NOT A COMMITMENT OR OFFER TO PROVIDE ANY FINANCING

WHETHER DESCRIBED HEREIN OR OTHERWISE. # 40506

Registered mortgage Broker.

NYS Department of Financial Services.

Loans arranged with third party providers.

HELPING REAL ESTATE PEOPLE SINCE 1988!

Since I was a young man, I have helped people find their way in the real estate world.

I always liked a challenge, so it was easy for me.

Whatever the situation, I found a way to help people solve their problem.

Now 30 years later, I am still helping people.

The only difference is that we now have so much more knowledge and connections
in the mortgage and real estate business.

This is why we hope you will give us a call and go over your needs.

It is what we do best and want to help you too.

If you are a property owner or investor, a mortgage salesperson, a mortgage.
or real estate salesperson, we would like to speak with you.

Many lenders want to sell you what they have.

We want to give you what you want so to give us a call.

Joseph Failla
FAILLA FUNDING
Office: (718) 966-6760
Mobile: (917) 294-1506
Web Site: FAILLA.com

THIS MAIL OR ADVERTISEMENT, HAS BEEN PREPARED FOR THE SOLE PURPOSE OF DISCUSSING FINANCING OPTIONS. THIS IS NOT A COMMITMENT OR OFFER TO PROVIDE ANY FINANCINGWHETHER DESCRIBED HEREIN OR OTHERWISE. # 40506 Registered mortgage Broker. NYS Departmentof Financial Services. Loans arranged with third party providers.

TRY OUR FIX & FLIP, BRIDGE OR 30 YEAR INVESTOR FUNDING!

Renovation, flip funding for contractors and investors who buy fix and sell properties.

We have 30 plus years in renovation and investor funding experience.

Call Joe for a free review. 917 294 1506

We' are seeking $100k to $3MM + loans.

For:

Fix-n-flip,

Bridge

Long-term loans (30 year fixed)

Investment property types: Single Unit, 2-4 unit, 5-10+ unit multifamily, townhomes, and condos.

As far as leverage is concerned up to 80% of the PP/Value w/o Rehab or

with Rehab 85% of the PP and 100% of Rehab Holdback.

Call Joe for a free review

We will need,

The loan scenario

The property address.

Your Middle FICO

The current value

The after-renovation value.

Number of transactions you completed with addresses.

Joseph Failla

FAILLA FUNDING

Phone: (917) 294-1506

THIS MAIL OR ADVERTISEMENT, HAS BEEN PREPARED FOR THE SOLE PURPOSE OF DISCUSSING FINANCING OPTIONS. THIS IS NOT A COMMITMENT OR OFFER TO PROVIDE ANY FINANCING WHETHER DESCRIBED HEREIN OR OTHERWISE. # 40506Registered mortgage Broker. NYS Department of Financial Services. Loans arranged with third party providers.

INCREASE YOUR WEALTH AND SECURE THE FUTURE WITH OUR INVESTOR FUNDS!

We provide funds investor Real Estate funds with no proof of income.

Increase your wealth and securing the future with our available funding!

Good credit scores and down payment required.

Purchasing, refinancing or cash out!

Call Joe for details: 917 294 1506

Joseph Failla

FAILLA FUNDING

(917) 294-1506

THIS MAIL OR ADVERTISEMENT, HAS BEEN PREPARED FOR THE SOLE PURPOSE OF DISCUSSING FINANCING OPTIONS. THIS IS NOT A COMMITMENT OR OFFER TO PROVIDE ANY FINANCING

WHETHER DESCRIBED HEREIN OR OTHERWISE. # 40506

Registered mortgage Broker. NYS Department of Financial Services. Loans arranged with third party providers.

Get wealthy!

 

This is the time to buy to increase your wealth! 

Many new innovative and exciting programs available! 

No proof of personal or business income is required! 

Good scores are required! Call: 917-294-1506