"Did someone say loans?"
Do you know what you can buy with a 620 credit score... A HOME!
- OR TAKE OUT AN INVESTOR LOAN!
purchase-it | refi-it | renovate-it| fix-it | flip it | hold it| rent iT | finance it!
We Help You Finance:
FHA, VA, USDA Loans,
Purchase Loans,
Jumbo Loans,
Renovation Loans,
Refinance Loans,
Duplex, Triplex & Fourplex Loans,
Investor Loans and more!
"Did someone say loans?"
Do you know what you can buy with a
620 credit score...
a home! or take out an investor loan!
$884,890
CALIFORNIA
Median price of a home in California
65.8%
HOMEOWNERS
65.8% of Americans are homeowners
$454,900
U.S.
Median price of a home in the U.S.
Tell Me Again What I Can Buy With A 620 Credit Score!
You can - purchase a home, refinance a home, remodel a home, purchase a duplex, purchase a triplex, purchase a fourplex.
Purchase an income producing multi-plex as your primary residence.
Live in one unit, rent out the others!
Utilize an investor loan to grow your real estate portfolio!
You can do a lot with a 620 credit score!
Let us show you how! APPLY NOW!
87% of home buyers financed their recent home purchase with a mortgage!
03
02
01
STEP 1
Complete the simple loan inquiry form above.
STEP 2
Follow the steps in the email confirmation. Upload the required documents to the secure borrower portal.
STEP 3
Congratulations!
You've successfully begun the loan application process!
the average american will own three homes in their lifetime!
Start Your Loan Application Today!
Whether your looking to purchase a home or to refinance.
Your loan options are all right here.
Gather the following documents below to begin your loan application.
1
30 Days of Paystubs & 2 Years W-2's
30 days of paystubs
2 years of W-2's
2
2 Years of Tax Returns (if self-employed)
2 years of Tax Returns
If your are self employed or receive a 1099.
3
3 Months of Bank Statements
3 months of your most recent bank statements
4
1- Mortgage Coupon
Current Property Tax Bill
Homeowners Insurance Policy
5
*Additional Documentation (if applicable)
Please reference the Loan Application Checklist in your email to see if any additional documents are required.
Such as: Rental Property Income, Student Loan Deferment, Divorce Decree, Alimony/Child Support Order, Bankruptcy Discharge, etc.
620 CREDIT SCORE | 620 HOME LOAN
620 INVESTOR LOAN!
LET US SHOW YOU HOW.
I'm not sure why we've been together for so long. It seems like you never want to commit and I don't even know what you're looking for from me anymore.
You have some great qualities and i'll admit that there are times when I feel like we're good together, but then the next minute it feels like you're just not into me anymore.
I'm tired of feeling this way and I know that it's time to let go.
It's time for us to break up and move on separately.
We both deserve better than what we have now, so let's just end this now before things get worse.
We'll always have some good memories together, but it's time to say goodbye forever and move on separately from each other."
It's time for us to break up. I'm sorry renting, but it's over.
THE average AMERICAN MOVES 12-times
IN THEIR LIFETIME.
THE REAL COST OF RENTING
Do You Know How Much You Will Spend Paying Rent Over the Next 1, 5, 10 and 15 Years...Take a Peak!
IF RENT IS
1 year
5 years
10 years
15 years
$1,200
$14,400
$72,000
$144,000
$216,000
$1,500
$1,800
$18,000
$21,600
$90,000
$108,000
$180,000
$216,000
$270,000
$324,000
$2,000
$24,000
$120,000
$240,000
$360,000
$2,500
$30,000
$150,000
$300,000
$450,000
$3,000
$36,000
$180,000
$360,000
$540,000
$3,500
$4,000
$42,000
$48,000
$210,000
$240,000
$420,000
$480,000
$630,000
$720,000
$4,500
$54,000
$270,000
$540,000
$810,000
$5,000
$60,000
$300,000
$600,000
$900,000
$6,000
$72,000
$360,000
$720,000
$1,080,000
$518.4 Billion
WAS PAID BY RENTERS IN 2021 ALONE
34.2%
OF US HOUSEHOLDS ARE RENTERS
44 Million
OF US HOUSEHOLDS ARE RENTERS
Down Payment Assistance
Buying a home is one of the biggest investments that you will ever make. However, it can be hard to save up for a large down-payment. Fortunately, there are programs in your area that offer down- payment assistance to help you get into your own home.
Down payment assistance programs are designed to help people get into their own homes by providing them with the funds required to cover the cost of the down- payment.
We can help you find the right mortgage, down payment assistance, and grants that work for you!
DON'T LET THE LACK OF A LARGE DOWN PAYMENT KEEP YOU FROM PURCHASING YOUR DREAM HOME.
GET DOWN PAYMENT ASSISTANCE!
Home Appraisal
The process of a home appraisal is quite detailed. A Certified Appraiser will typically spend about two hours at your home to complete an appraisal. It involves analyzing the property and comparing it to similar properties in the area.
The appraiser then conducts an assessment of the property, taking into account its size, age, condition and other factors.
The appraiser will also look at comparable sales in the area to get a better idea of what the property is worth. They will take into account other factors such as lot size, zoning regulations and more to assess how much it should cost per square foot.
Finally the appraiser will issue a report determining the homes valuation and replacement costs.
property prices are expected to rise 18-20%
in the next 5-years.
For Your Protection Get A Home Inspection
A home inspection is a professional evaluation of the physical condition of a house. The inspector will look for any signs of damage or defects in the home's structure, plumbing, electrical and heating systems.
A home inspection is an important step in the process of buying a new home. It will give you peace of mind by knowing what you're getting into before you sign on the dotted line.
The best way to know if your house needs repairs or maintenance is to get it inspected by a professional.
For your protection get a home inspection!
Detached single-family homes continued to be the most common home type for 79% of recent buyers.
Home Warranty
A home warranty is a service contract that covers the repair and replacement of major systems in your home. These systems are typically covered by a home warranty: heating and cooling, plumbing, electrical, appliances, roofing, siding and windows.
Home warranties are an excellent, needed option to protect your home against inevitable repairs.
The average cost of an unexpected repair is $3,000 but with a home warranty the deductible is typically $100.00!
- You will have 24/7 protection against unexpected repairs.
- A home warranty will replace your appliance if it breaks down.
- You can get a home warranty with a low deductible that you can afford.
- If the item cannot be repaired. The home warranty coverage will replace the appliance or malfunctioning system.
Peace of mind when your in a bind!
DO YOU KNOW WHAT YOU CAN BUY WITH A 620 CREDIT SCORE...A HOME! OR TAKE OUT AN INVESTOR LOAN!
APPLY NOW!
Government Loans.
Opens Doors, Opens Opportunities, Opens Possibilities
FHA, VA and USDA loans are designed for low-to moderate income borrowers. They require a lower minimum down payment and lower credit scores than many conventional loans.
$1,089,300
FHA & VA LOAN LIMITS
IN HIGH COST AREAS
HAVE INCREASED
UP TO - $1,089,300
$2,095,200
FHA & VA- DUPLEX, TRIPLEX & FOURPLEX LOAN LIMITS IN HIGH COST AREAS HAVE INCREASED
UP TO - $2,095,200
$1,396,800
FHA & VA LOAN LIMITS IN NON- HIGH COST AREAS HAVE INCREASED
UP TO - $1,396,800
FHA Loans
FHA Loans Get You Home!
Loan Amounts up to: $1,089,300
1st Time Buyers - OK!
620 Min Credit Score - OK!
30 Year Fixed Rates!
Non Traditional Credit - OK!
100% Gift Funds Allowed!
VA Loans
100% Financing For Vets!
Loan Amounts up to: $1,089,300
1st Time Buyers - OK!
500 Min Credit Score - OK!
30 Year Fixed Rates!
No Mortgage Ins. For Vets!
100% Financing For Vets!
USDA Loans
Loan Amounts up to: $776,600
1st Time Buyers - OK!
580 Min Credit Score - OK!
30 Year Fixed Rates!
No Cash Reserves Required!
100% Financing Available!
More Than Rural!
Refinance, Equity Lines of Credit, Multi-Plex and Jumbo Loans.
Access to Loans:
Opens Doors, Opens Opportunities,
Opens Possibilities. Let us show you how.
Refinance/Heloc Loans
Already Have a Low Rate?
Consider an Equity Line of Credit!
Need Cash Out?
550 Min Credit Score - OK!
Loan Amounts up to - $2.99Million
30 Year Fixed Rates!
Cash Out up to 100%
Eliminate Private Mtg Ins.!
Renovation Loans Available!
Jumbo Loans
Go BIG to Go Home
We'll Show You How!
Primary and Second Homes!
680 Min Credit Score - OK!
85% LTV up to - $2.99Million
Fixed & Adjustable Rates!
Cash Out up to 80%
Co-Borrowers - OK!
Gift Funds Allowed!
Multi-Plex Loans
Duplex, Triplex, Fourplex
Ready To Finance?
1st Time Buyers - OK!
620 Min Credit Score - OK!
Loan Amounts up to - $2.99Million
30 Year Fixed Rates!
Min. Cash Reserves Required!
Down Payment Assistance-OK!
Refi Your Existing Multi-Plex
Found A House That Needs a Little TLC?
We're Your One Stop Shop for Renovation Loans
Did you know you can utilize a renovation loan to purchase a home and make home improvements?
Well you absolutely can!
You can use a renovation loan to make up to $35,000 in home improvements!
Have you found a house that needs a little TLC? Turn that house into your home.
Don't pass on that home, make it your own.
With an all in one renovation loan!
Kitchen Remodel
Renovate the cabinets, counter tops, waterfall island, backsplash. Turn it into your dream kitchen!
Flooring & Paint
What puts a pep in your step? Is it hardwood, concrete tiles, plush carpeting, natural aged wood, etc. What wall colors channel your inner zen?
Windows & Doors
The first impression. What statement does your windows and doors make? Traditional, contemporary, new age.
Bathroom Remodel
What does your dream bathroom look like? Is it: spa like, minimalistic, luxurious. You decide!
Energy Efficient Appliances
You've been dreaming of a new stove, fridge, dishwasher, front loading washer and dryer. Preserve energy, elevate your style.
Roof, Electrical & Plumbing
Major systems in your home are vital. Is the roof free from leaks, mold and water damage. Does the electrical or plumbing system need updating. The systems in your home are your homes core strength. Maintain them!
the average size of new homes built in the us is 2,687 sq ft.
Purchase or Refinance Your
Duplex, Triplex, Fourplex Today!
Did you know you can purchase an income producing building as your primary residence? You can utilize an FHA, VA or conventional loan to purchase a duplex, triplex or foruplex. Live in one unit and rent out the others!
1
1st Time Buyers - OK!
Tired of paying rent? You have options. First time buyers ok! You can purchase a duplex, triplex or fourplex as your primary residence.
2
620 Minimum Credit Score Required!
Don't let past credit challenges keep you from purchasing a multiplex. Do you know what you can buy with a 620 credit score...A HOME or Multiplex!
3
Loan Amounts up to - $2,095,200
Loan amounts in California vary depending upon the county. Loan amounts in high cost areas are as high as $2,095,200.
4
Low 3.5% Down Payment
Don't let the lack of a large down payment be a road block to your purchasing a multiplex. You can receive down payment assistance to assist you with the purchase of your new duplex, triplex or fourplex!
5
Use 75% of the Rental Income to Qualify!
Did you know when purchasing or refinancing a multiplex you can use 75% of the rental income to help you qualify?
FHA LOANS | VA LOANS| USDA LOANS | CONVENTIONAL LOANS JUMBO LOANS | refi loans | INVESTOR LOANS
"Did someone say loans?"
Investor Cash Flow Loans
Qualify with:
No Documents. No Tax Returns,
Personal Income or Job.
INVESTOR LOANS
Investor loans gives investors the opportunity to purchase investment properties using the cash flow on the property to qualify for the loan- not their personal income.
The need for fast reliable investor loan access is essential. Don't miss out on opportunities to grow your real estate portfolio because your cash is tied up in other properties. Access to steady cash flow is essential. Access to loan programs: Opens doors, opens opportunities, opens possibilities.
Apply today utilizing the properties income to purchase or refinance your investment property!
- 620 Minimum Fico Score Required!
- Loans up to $3.5 Million
- First Time Investors OK - Up to 75% LTV
- No Tax Returns, No Income, No Job Required!
- 30 Year Fixed and Arm Rates Available!
- Appraisal Transfers - Allowed!
- Unlimitied Proerpties!
- SFR, Condo, Mixed Use, Up to 8-Units, Short Term Rentals | AirBNB's - OK!
- Purchase & R/T up to 80% LTV,
- Cash out up to 75% LTV
Investor Loan
Required Documents
Qualify for an Investor Loan to purchase or refinance investment properties using the cash flow on the property to qualify the loan - not your personal income.
Here are the initial documents needed to get your loan application started.
- Valid Purchase Agreement - Purchase Loan
- Mortgage Coupon - Refinance Loan
- Property Insurance Policy - Refinance Loan
- 2 Months Bank Statements - tenants rental deposits
- Entity Documentation - in which title is held
- If you own additional Investment Properties
- Fully Executed Lease Agreements
Finance your real estate portfolio based on the rental forecasts of the property - Not your personal portfolio. APPLY NOW!
10.6 MILLION AMERICANS EARN INCOME FROM
RENTAL PROPERTIES.
Looking for a Great Realtor?
Are you looking for a great Realtor to work with?
Are you a great Realtor looking to refer a client?
If so, you are in the right place!
If you are in need of a compassionate, professional Realtor that can prioritize your goals and help you get clear on what you want.
Then look no further! We have a network of phenomenal Realtors to connect you with!
Work with a Realtor that helps you get clear on what you want!
Work with a Realtor that prioritizes your goals!
Work with a Realtor that is compassionate and competitive!
Work with a Realtor who understands the market, knows how to negotiate a deal, and is always available to answer all of your questions!
Let's Connect On Instagram
@Kennedy_Chancellor
Frequently Asked Questions
Homewonership is one of the greatest accomplishments you will make in your lifetime. Knowledge is your super power! Be well informed!
You've got home loan questions! We've got home loan answers!
Do I need perfect credit to purchase or refinance a home?
Absolutely not! You do not need perfect credit to purchase or refinance a home.
Do you know what you can buy with a 620 credit score...A HOME!
I already have a low rate. Should I refinance?
If you have a low interest rate, keep it!
Consider a HELOC/Equity Line to consolidate your debt or to take out cash. You have refinance options that allow you to keep your current low rate.
Do I need a large down payment to purchase a home?
FHA loans require a 3.5% down payment. Most conventional loans require a 5% down payment.
VA loans do not require a down payment for qualified veterans.
If you obtain an FHA, VA or USDA loan your taxes and insurance will be included in your mortgage payment.
Most conventional loans do not require your taxes and insurance be included in your payment.
Will my taxes and insurance be included in my
payment?
Loan programs & more!
you need a loan. we know loans!
Whether your looking to purchase a home, refinance a home, remodel a home or are in need of an investor loan.
All of your loan options are right here! APPLY NOW!
HOMEOWNERS | INVESTORS
"Do You Know What You Can Buy With a 620 Credit Score...A HOME! "
Or Take Out an Investor Loan! :)
GET STARTED IN
2-SIMPLE STEPS!
1
Complete the simple loan inquiry form above.
2
Follow the steps in the email confirmation. Upload the required documents to the secure borrower portal.
Congratulations!
You've successfully begun the loan application process!
DO YOU KNOW WHAT YOU CAN BUY WITH A 620 CREDIT SCORE...A HOME!
OR TAKE OUT AN INVESTOR LOAN!
Let us show you how. apply now!
BROKER
KAM Financial & Realty Inc.
CA DRE #01919999
NMLS ID #1039324
HOURS | ADDRESS
M - F 9:00A - 5:00P
5665 Wilshire Blvd. #1086
Los Angeles, CA 90036
CONTACT US
(888) 600-1995
www.KennedyChancellor.com
@Kennedy_Chancellor
LOAN OFFICER | REALTOR
Ms. Kennedy Chancellor
CA DRE #01973105
NMLS ID #933716
90% of millionaires earned their fortunes through real estate.
First-time home buyers made up 34% of all homebuyers in 2021.
APPLY
CONTACT US - INQUIRY FORM
KAM Financial & Realty, Inc. nor its Broker of Record, sole owner, employees, licensees, and contractors make any promise or guarantee of any kind to any potential client(s)/borrower(s) or actual client(s)/borrower(s). Furthermore, nothing on this advertisement shall be construed as a promise or guarantee of any kind. This is an advertisement is not a commitment to lend. Only a lender to whom KAM Financial & Realty, Inc. submits a loan as a licensed California Bureau of Real Estate Broker can make a final loan approval/commitment. All loan approvals decisions are subject to several factors such as verified income, assets, employment, and credit scores by lender for final underwriting approval. Rates are subject to change. APR may vary. All Loan programs, rates, terms, products may be subject to change without notice. If you are seeking a loan other than a fixed rate term it is possible that your monthly payment may increase after consummation. Fannie Mae and Freddie Mac guidelines set the FHA credit score requirement at 580. However, individual approved lenders have the final authority as to where the minimum credit score requirement falls within their own guidelines. KAM Financial & Realty, Inc. is licensed by the California Bureau of Real Estate, License #0191999 and the NMLS license #1039324. Ms. Kennedy CHANCELLOR is licensed by the California Department of Real Estate, Real Estate Agent CA BRE License #01973105, and Licensed Loan Originator NMLS ID #933716.