Non-Agency Loans

 

With over 35 years of combined industry experience in lending that betters the financial position of our customers, Stewards of Capital Home Mortgage® has been very successful in closing loans that no one else can. Our unique lending philosophy – superior service, a complete financial review, and bettering the financial position of the borrower and the community – has allowed us close billions of dollars in loans.

 

Stewards of Capital Home Mortgage® offers financing to investors looking to buy and sell properties. Leveraging over 35 years of combined industry experience and knowledge we determine whether the property presents a safe investment and a good loan. We underwrite all of our loans to benefit the financial position of the borrower and the community.

 

Investing in America is not only for US citizens. Stewards of Capital Home Mortgage® works with foreign nationals interested in owning or investing in the American Dream. South Florida is a diversely populated area and Stewards of Capital & Co. has deep background and experience in lending to foreign nationals.

 

We believe that all members of our community should have access to financing the American Dream.

Foreign National Partnership Program

Foreign National Program Highlights:

 

  • Foreign Nationals Only (Diplomatic Immunity Is Ok)

  • Purchase And Refinance Ok & Self Employed Ok

  • Up To 75% LTV

  • Occupancy Includes Primary, 2nd Home And Investment

  • Never A Pre-Payment Penalty

  • 1-5 Year Balloon

  • Money For Down Payment Must Be In Country For 30 Days

  • Rates From 7.49 – 12.00%

 

Same day pre-approvals and closing within 10 business days of appraisal order.

Second Chance Purchase Program

Second Chance Program Highlights:

 

  • Up To 90% LTV

  • No Minimum Credit Score

  • Full Doc Only – 43% DTI

  • Bankruptcy, Foreclosure And Shorts Sales Are OK

  • Deferred Maintenance Is Acceptable On Purchases

  • Up To 7% Seller Help Allowed

  • Gift Funds Are Acceptable

  • Need 2 Months PITI In Post-Closing Reserves

  • Consider 1st Time Homebuyer w/ Larger Down Payment

 

Same day pre-approvals and closing within 10 business days of appraisal order.

Rehab & Flip Program

Rehabilitation Flip Program Highlights:

 

  • Up to 125% Of The Purchase Price Or Up To 70% ARV

  • No Minimum Credit Score

  • No Income Qualification

  • Previous Bankruptcy, Foreclosure And Short Sales, Ok

  • Minimum Investment of $10,000

  • No Due Diligence Or Loan Commitment Fees

 

Same day pre-approvals and closing within 7 business days of appraisal order.

Recent Housing Events Program

Recent Housing Events Program

 

  • 1 Day out Short-Sale, Bankruptcy or Foreclosure

  • Credit Scores starting at 500

  • Up to 80% LTV / Up to 50% DTI

  • Bank Statement Program for Self Employed Borrowers

  • Loans up to $1 million

  • Owner Occupied and investment properties

  • Single Family, Townhouses and Condominiums

  • 30 year fixed – No Prepayment Penalty

 

Same day pre-approvals and closing within 7 business days of appraisal order.