Buyers can obtain a home with as little as 3.5% down. Recommended for Buyers with less than perfect credit. Can be used with down payment assistance programs.
With as little as 3% down, Buyers can purchase a home. Recommended for Buyers with high credit scores. Can be used with down payment assistance programs.
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Vets can purchase a home with 0% down and less than perfect credit. Loan can also be structured to include closing costs.
No Taxes...No Problem!
We can avoid using tax returns and use income from your bank statements with as little as 10% down. Avoid tax returns with this product.
We are approved to offer down payment assistance products that can help Buyers close with low-to-no money down! Each program has it's own rules. Contact us for more details.
If you are buying an investment property, we can get you closed as long as the total rents on the property exceed the cost of the monthly mortgage payment.
Most self-employed borrower's write off the majority of their income on taxes. We have products including Profit & Loss only, 1099 only, Bank Statements, and No Income documentation loans that can help.
We have renovation products such as the FHA 203K and HomeStyle loans that can help you finance the cost of renovation or rehabiliation into your home loan. You can use the future value of the home after repairs and finance the renovation.
Have issues showing income? No problem. We have a product that will allow you to show no income! It requires a large down payment and high credit score but may get you around challenging income situations and/or no tax returns!
Home Equity Lines of Credit are a great way to access your equity without refinancing your 1st mortgage. It is a great option for Home Improvement, Debt Consolidation, or whatever else you need cash to accomplish.
We have financing that will allow you to buy units as a Primary Residence or as an Investment from 3.5% - 20% Down. If you are looking for income property, we got you covered with multiple products to choose from.
Through our one time close product, we can offer you a construction loan and home loan in one. This will give you the ability to build a home on vacant land! If you can't find a home you like, we can build one, on site.
We have many loan programs to assist first time homebuyers or investors in acquiring property! Give us a call for a free 15 minute consultation.
Save money by lowering your monthly payments! Interest rates are at historical lows. Give us a call to help you save money today!
Pull cash out of the equity of your home to help payoff bills, pay for large expenses, or for your own enjoyment. Homes are increasing in value which will allow you to access your equity and pull out cash!
Improve your quality of life with home renovation loans. These loans will allow you to make improvements to your property including adding an Accessory Dwelling Unit (ADU) or back house, painting, plumbing, pools, or any other improvement you would like to make.
Over 80% of Monarch's clients are First Time Homebuyers (FTHB). We offer products that can lower your down payment, closing costs, interest rate, mortgage insurance, and down payment assistance products to our First Time Homebuyers. When you apply, we will discuss the options available to you.
We offer the following programs:
Down Payment & Closing Cost Assistance:
Down Payment Assistance:
When you apply, we will match your application to any programs for which you qualify.
There are several videos on products, processes, programs, etc.:
www.youtube.com/channel/UCDUXNzSAwd-V-FyJvDzzrJw/videos
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