The fact that you're shopping for a Tri-Ermerlad Group loan already proves you're looking for the smartest way to finance a new home. That means you're sure to appreciate our Real Life Plan . The Real Life Plan combines three different products: a low fixed-rate, 30-year first mortgage, a no lender fee home equity line Apply now .


Prime

1. Fixed Pay Option ARM - FICO's as low as 620 - Full Doc and Stated Doc (Stated fixed income & wage earners) up to 90% LTV
2. 5/1 Fast & Easy Flex Pay Option - Stated Income/Stated Assets (Stated fixed income & wage earners) up to 90% LTV
3. Conventional/Conforming DU products - 30 yr fixed with rates as low as 5.875%
4. Regular Pay Option ARM - Start Rates as low as 1.25%
5. Full Doc - 2 mo. bank statements for wage earners & tax returns required for S/E borrowers

Nonprime-

1. Up to 1x90 on mortgage lates in last 12 months, unlimited 60 day lates, unlimited cash out, scores as low as 550, loan amounts up to 417k
2. Bank Statements w/ 530 FICO - 30 yr fixed and ARM products up to 80% LTV
3. Business Bank Statements - If the office is run from the home we accept 80% of deposits, if the office is run from a separate location we accept 70% of the deposits.
4. Joint Bank Accounts - 50% of eligible deposits used as qualifying income, other name on joint account is not required on loan!
5. 100% Financing w/ 620 FICO
6. 530 FICO to 85% LTV with a 1x60 - 30 yr fixed starting at 9.88%
7. Affordable 97 program - extended guidelines up to 97% LTV w/ FICO as low as 600 (DTI restrictions do apply)

Jumbo-

1. Full Doc 30 yr Fixed Jumbo at 6.75%
2. Jumbo loan amounts from 1MM - 2MM

Seconds

1. Stand Alone and piggy back 2nds!
2. 90% CLTV