Francis Phillips has the experience to structure the home financing you need. Local Favorite – Proud to be one of six companies nominated for Best Mortgage Company 2015 by readers of the Santa Fe Reporter.
Closing on time – and early – with our Fast Track. How? We require less documentation because we sell directly to Fannie Mae, Freddie Mac and Ginnie Mae.
Loans throughout the U.S. – We have the ability to look at the option of refinancing another property to create down payment funds or cash to close for your Santa Fe home. (Not available in Arkansas)
Expanded Bank Loan Options*: • Provide 24 months bank statements, we average the deposits to determine income (great for self-employed with large write-offs or for non-taxed trust income) • Common sense lending for high asset/low income tax returns
• Jumbo 640+ credit score • Jumbo minimum 10% down payment • Recent credit event (bankruptcy/foreclosure 18 months or more) with minimum 660 credit score
• Some non-warrantable condos
• Foreign national buyers
• 100% Financing VA and USDA
• Low down payment 3% FNMA and 3.5% FHA
Francis Phillips Sr. Mortgage Loan Originator - NMLS# 193642 Direct: 505.982.3400 fphillips@fcloans.com www.fcloans.com/fphillips 1012 Marquez Place, Suite 204A Santa Fe, NM 87505 *Programs, rates, terms and conditions are current, but are subject to change and may expire without notice. Other restrictions may apply. First Choice Loan Services Inc. (NMLS# 210764) a wholly owned subsidiary of First Choice Bank (NMLS# 177877) is located at One Tower Center, Floor #18, East Brunswick, NJ 08816. First Choice Loan Services Inc. is registered or exempt from state licensing in the states it originates mortgage loans. Licensed by the NJ Department of Banking and Insurance. AZ BK# 0918586. First Choice Loan Services Inc. is not an agency of the federal government and is not affiliated with your current lender. All loans are subject to credit approval. All applications must be submitted in writing. This advertisement is not a loan disclosure and all disclosures provided after applying should be reviewed carefully. This is not a commitment to provide a loan approval or a specific interest rate. 04.12.2016