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Mortgages

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Commercial Mortgages

Every situation with investment properties can be very different.  I can recommend commercial mortgage brokers and lenders according to your specific situation.

Mark Rekate - Caliber Homes Loans

 As  a mortgage banker with 20 years of experience, I have a variety loan  programs that will suit most purchase opportunities.  With conventional,  FHA, VA and down payment assistance programs, all options are available  for most loan sizes.  I can lend up to 3 million dollars on a primary  home as well as investment properties for as little as $50,000.  If  creative financing is necessary, Caliber has a variety of options that  can fit most household budgets.  Give me a call, let’s put together a  plan to purchase the home of your dreams.  


Mark Rekate

Loan Consultant
NMLS#: 97077     20829 72nd Avenue S, Suite 820
Kent, WA 98032Office: 206.876.7223
Mobile: 206.890.8070
E-fax: 855.800.6463
Email: mark.rekate@caliberhomeloans.com

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CONVENTIONAL LOAN PRODUCTS

Conventional
Conventional  loans are not insured by the FHA or VA. Generally, these are a good  option for homebuyers with higher credit scores and stable employment  histories.
 

Relief Refinance
A Relief Refinance is designed to help you make your existing mortgage more affordable.
 

HomeOneSM
If  you’re dreaming of home ownership but still saving for a down payment,  you may be able to buy now with a HomeOneSM mortgage. It only requires a  3% down payment, and you’re not limited to a traditional residence.
 

HomeStyle® Renovation
A  HomeStyle Renovation Mortgage allows renovation funding equal or up to  50% of your property's post-renovation value and is available for new  and existing homes – even new construction!
 

Home Possible®
Home Possible® is a Freddie Mac loan program designed to bring home ownership within reach to more borrowers.
 

HomeReady™
HomeReady™  is a Fannie Mae loan program that is designed to extend the privileges  of home ownership to buyers with limited household incomes.
 

DU Refi Plus
DU  Refi Plus is a Fannie Mae refinancing program that enables buyers to  take advantage of lower interest rates while choosing a custom loan  term.
 

Jumbo Loans
Jumbo loans are just that –larger amounts of funds for luxury properties and homes in high-cost areas.
 

Jumbo Interest-Only ARM
Our Jumbo Interest-Only ARM is ideal for homebuyers who prefer a lower monthly payment during their first years of their loan.


GOVERNMENT

FHA Loans – Fixed-rate and ARMs, high-balance
An  FHA loan is partially insured by the Federal Housing Administration  (FHA), an agency created in 1934 to help borrowers and businesses  recover from the Great Depression.

FHA 203(k) Fixed Rate Rehab
An  FHA 203(k) Rehab loan enables you to buy a home that’s in need of  repairs or renovations by providing additional funding before move-in.

FHA Streamline Refinance
If you currently have an FHA mortgage, an FHA Streamline Refinance offers several options.

USDA Loans
Designed  for homebuyers in rural locations who do not qualify for a conventional  loan. They feature low down payments and relaxed qualifying guidelines.  Properties must be in a rural area designated by the US Department of  Agriculture.

VA Streamline Refinance (IRRRL)
A VA Streamline Refinance, or IRRRL, provides you with a faster way to lower or lock in your interest rate with limited costs.

VA Loans – Fixed-rate and ARMs, high-balance
VA  loans are partially insured by the U.S. Department of Veterans Affairs  (VA) and are a valuable benefit for military veterans and active  servicemen and women.


CALIBER PORTFOLIO LENDING PROGRAMS

Elite Access
Offering  jumbo loan amounts up to $3 million, borrowers may qualify with a 90 to  95% Loan to Value (LTV) ratio without Mortgage Insurance (MI). In  addition to fixed- and adjustable-rate loans, interest-only ARMs are  also available.

Premier Access
For borrowers  looking for loan amounts from $100,000 to $3 million with higher ratios.  You may qualify with a 50% Debt to Income (DTI) ratio. Your savings can  help you qualify with our asset-based income option. Self-employed  borrowers may also qualify.

Homeowner’s Access
If  you’ve had past difficulties keeping up with mortgage payments and  don’t qualify for traditional financing, this loan can help you get back  into a home of your own. Homeowner's Access allows you to have multiple  30-day late payments and up to one 60-day late payment within the last  year.

Fresh Start Program
This loan is  tailored for people who are working to rebuild their credit after a  recent bankruptcy, foreclosure, deed in lieu of foreclosure or short  sale. Fresh Start fixed- or adjustable-rate funding may be available as  soon as 1 day after a short sale, bankruptcy, or foreclosure.

Investor Access
Investor  Access includes the ability to qualify using property cash flow. With  loan amounts up to $1 million and the ability to apply as an individual  or an entity, the program makes real estate investing easier than ever.

Investment
With  maximum loan amounts up to $2 million and both fixed- and  adjustable-rate options, our Investment Program can finance up to 10  investment properties.

Professional Elite
Self-employed?  This is the program for you! With Professional Elite, Caliber can  verify your income using personal or business earning statements.

NATIONAL BUILDER

The Builder’s Choice for home financing.  Helping builders build, sell and close more new homes