JCG Home Loans

Assets You can Use to Buy a House

1. Cash And Cash Equivalent Assets
These assets include the money in all of your checking or savings accounts, money market accounts, certificates of deposit (CDs)
2. Physical Assets
Physical assets that can be sold for funds to be used to qualify for a mortgage include – but are not limited to – properties, homes, cars, boats, RVs, jewelry and artwork.

3. Nonphysical Assets
Pensions, 401(k)s, IRAs, bonds, stocks and royalties fall into this category.

4. Liquid Assets
Assets that you can instantly convert to cash like readily tradable bonds or stocks.

6. Equity Assets
Retirement accounts, stocks or mutual funds, these are considered equity assets.
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What Is A Mortgage Note?

A mortgage note is a legal document that sets out all the terms of the mortgage between a borrower and their lending institution. It includes terms such as:

👉 The total amount of the home loan
👉 Whether the mortgage is a fixed or adjustable interest rate
👉 The term of the loan

The purchase of a home will be one of your biggest investments, so be sure to take the time at closing to ensure that all legal documents related to your mortgage are accurate. Work with a loan officer that will take the time to explain the documents to you..
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Upgrade your status quo - don't just renew, renegotiate! 🔁💪

Stop by our open house today and tomorrow 1-4 pm.
1409 Mendocino Creek Dr, Patterson CA

Bank Statement Loans
Designed for self-employed borrowers whose tax returns do not reflect enough income; we may use 12-24 months of business bank account statements to document income and ability to repay.
• Loan amounts from $150,000 to $3,000,000
• FICO 680
• Borrower must be self-employed and have at least 25% ownership

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Préstamos de Estados de Cuenta Bancarios
Diseñado para dueños de negocio los cuales sus declaraciones de impuestos no reflejan ingresos suficientes; podemos usar estados de cuenta bancarios de 12 a 24 meses para documentar los ingresos y la capacidad de pago.
• Montos de préstamo de $150,000 a $3,000,000
• Puntaje de Crédito 680
• El prestatario debe ser dueño de un mínimo de 25% del negocio

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