New York Real Estate CENTURY 21 Grand - New City New York Real Estate, foreclosure, Some listings courtesy of The Greater Hudson Valley MLS, GHVMLS.com, Prudential Rand, Weichert Realtors, Joyce Realt

	No borrower income limit
	More credit score flexibility
	Only 3.5%* down payment on loans
	Higher debt-to-income ratios (on DU or LP approvals)
	Upfront mortgage insurance can be added to your loan balance instead of paid out-of-pocket
	Can finance home of 4 or fewer units
	HUD REOs
	Streamlined documentation on refinances
	Great track record � program in effect since 1934
	Bankruptcy. Two years Chapter 7 from the date of your bankruptcy discharge, borrowers can obtain an FHA loan, provided you have since maintained good credit
	Foreclosure. Three years after the final date of foreclosure, borrowers can obtain an FHA loan, provided you have since maintained good credit
VA
	Active and reserve military only
	No down payment
	No prepayment penalty
	No private mortgage insurance to pay each month
	Closing costs can be paid by the seller
	Loans are assumable by qualified borrowers
	Veteran may reuse entitlements

For little or no down payment, loans backed by the FHA and VA may offer buyers just the way to make their next home purchase. Call me today to learn more!

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• Apply for a home loan

Frank Beaver
Senior Loan Officer
Prospect Lending
NMLS# 78755
198 S. Main St.
New City, NY 10956
Office: (845) 294-7764
Cell: (914) 419-5253
Fax: (877) 371-1715
Frank.Beaver@prospectmtg.com

0409-16D

Equal Housing Lender. Prospect Mortgage is located at 15301 Ventura Blvd., Suite D300, Sherman Oaks, CA 91403. Prospect Mortgage, LLC (Unique Identifier #3296) is a Delaware limited liability company licensed by the CA Dept. of Corps. under CRMLA and operates with the following licenses: AK Mortgage Lender License #100251; AZ Mortgage Banker License #BK0903027, #BK0909362, #BK0908046, #BK0908050, #BK0908056, BK#0908057, #BK0908058, #BK0908731, BK#0903112, BK#0903912, BK#0906650, BK#0906913; To check the license status of your CO mortgage broker, visit www.dora.state.co.us/real-estate/index.htm; GA Residential Mortgage License #16984; IL Residential Mortgage Licensee #6424; MA Mortgage Lender/Broker License #MC2011; MS Licensed Mortgage Co.; MT Residential Mortgage Lender Licensee #120; NV Division of Mortgage Lending Mortgage Banker #1173 and Mortga ge Broker #3095; Licensed by the NH Banking Dept.; Licensed Banker-NJ Dept. of Banking and Insurance #9932415; Operates as Prospect Lending, LLC in NY (Licensed Mortgage Banker-NYS Banking Department); Operates as Prospect Mortgage, LLC of Delaware in OH (Ohio Mortgage Broker Act, Lic # MB.803629.000); OR Mortgage Lender Licensee #ML-2006; PA Dept. of Banking license #1740; RI Licensed Lender #20021343LL, Broker #20041643LB; licensed by the VA State Corp. Commission as MC-2195. This is not an offer for extension of credit or a commitment to lend. All loans must satisfy company underwriting guidelines. Information and pricing are subject to change at any time and without notice. This is not an offer to enter into a rate lock agreement under MN law, or any other applicable law.

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