{"id":2572,"date":"2024-01-27T14:25:06","date_gmt":"2024-01-27T14:25:06","guid":{"rendered":"https:\/\/www.eastbaysmortgagebroker.com\/?page_id=2572"},"modified":"2024-01-31T16:46:06","modified_gmt":"2024-01-31T16:46:06","slug":"special-circumstances-mortgages","status":"publish","type":"page","link":"https:\/\/www.eastbaysmortgagebroker.com\/special-circumstances-mortgages\/","title":{"rendered":"Mortgages for Special & Extenuating Circumstances"},"content":{"rendered":"

[et_pb_section fb_built=”1″ _builder_version=”4.24.0″ custom_margin=”0px||0px||false|false” custom_padding=”0px||0px||false|false” collapsed=”off” global_colors_info=”{}”][et_pb_row _builder_version=”4.24.0″ width=”100%” custom_margin=”0px||0px||false|false” custom_padding=”0px||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_slider _builder_version=”4.24.0″ _module_preset=”default” header_level=”h1″ header_font=”||||||||” header_font_size=”52px” background_enable_color=”off” header_font_size_tablet=”52px” header_font_size_phone=”42px” header_font_size_last_edited=”on|desktop” global_colors_info=”{}”][et_pb_slide heading=”Mortgages For Special & Extenuating Circumstances” button_text=”Talk To Chris” button_link=”https:\/\/www.eastbaysmortgagebroker.com\/contact\/” use_bg_overlay=”on” bg_overlay_color=”rgba(0,0,0,0.51)” _builder_version=”4.24.0″ _module_preset=”default” background_enable_color=”off” use_background_color_gradient=”on” background_color_gradient_stops=”rgba(0,0,0,0.42) 0%|rgba(0,0,0,0.6) 99%” background_color_gradient_overlays_image=”on” background_image=”https:\/\/www.eastbaysmortgagebroker.com\/wp-content\/uploads\/2024\/01\/Special-Circumstances-Mortgages.jpg” background_enable_image=”on” custom_button=”on” button_text_color=”#FFFFFF” button_bg_color=”#000000″ button_alignment=”center” global_colors_info=”{}” sticky_transition=”on”]<\/p>\n

Within our exclusive network of California direct lenders and banks, we have a number of “niche” mortgage solutions that solve very specific problems.<\/p>\n

Please take a look below to see if we have a tailor-made solution to your problem, and if you don’t see what you are looking for, schedule a free consultation and we will try to find that solution just for you.<\/p>\n

[\/et_pb_slide][\/et_pb_slider][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.23.1″ _module_preset=”default” custom_padding=”100px||100px||false|false” border_width_bottom=”1px” global_colors_info=”{}”][et_pb_row _builder_version=”4.23.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.23.1″ _module_preset=”default” animation_style=”fade” animation_duration=”1500ms” global_colors_info=”{}”][et_pb_text _builder_version=”4.24.0″ _module_preset=”default” max_width=”960px” module_alignment=”center” global_colors_info=”{}”]<\/p>\n

Browse Our Special Circumstance Mortgages<\/strong><\/h2>\n

<\/strong><\/p>\n

Please note that most of the transaction types below almost always close with significantly above market interest rates and closing costs. “In-line with market,” in this context, is a very good thing! We do not accept “no context” loan applications for any of these programs as 100% of them require extra effort from our team, please schedule a free consultation before you click on “Apply Now.”<\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.24.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ make_equal=”on” _builder_version=”4.24.0″ _module_preset=”default” max_width=”1080px” custom_css_main_element=”display: flex;||flex-wrap: wrap;” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.24.0″ _module_preset=”default” custom_css_main_element=”margin-top: auto;||margin-bottom:auto;” global_colors_info=”{}”][et_pb_image src=”https:\/\/www.eastbaysmortgagebroker.com\/wp-content\/uploads\/2024\/01\/Parents-Adult-Children.jpg” alt=”Realtors” title_text=”Parents Adult Children” align=”center” _builder_version=”4.24.0″ _module_preset=”default” max_width=”400px” custom_margin=”30px||30px||false|false” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.24.0″ _module_preset=”default” custom_css_main_element=”margin-top: auto;||margin-bottom: auto;||order: 2″ global_colors_info=”{}”][et_pb_text _builder_version=”4.24.0″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

Adult Child Housing Provision<\/span><\/h2>\n

Use Case:<\/strong> A parent or legal guardian purchasing or refinancing a home in order to provide housing for their handicapped or disabled adult child.<\/span><\/p>\n

Intended Occupancy:<\/strong> Primary residence for the adult child.<\/span><\/p>\n

Notes:<\/strong> Flexible down payment options.<\/span><\/p>\n

Interest Rate & Closing Costs:<\/strong> In-line with market if a purchase, often below market if a refinance.<\/span><\/p>\n

[\/et_pb_text][et_pb_button button_url=”https:\/\/www.eastbaysmortgagebroker.com\/contact\/” button_text=”Apply Now” button_alignment=”center” _builder_version=”4.24.0″ _module_preset=”default” custom_button=”on” button_text_color=”#FFFFFF” button_bg_color=”#87082a” global_colors_info=”{}”][\/et_pb_button][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ make_equal=”on” _builder_version=”4.24.0″ _module_preset=”default” max_width=”1080px” custom_css_main_element=”display: flex;||flex-wrap: wrap;” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.24.0″ _module_preset=”default” custom_css_main_element=”margin-top: auto;||margin-bottom:auto;||order: 2;” global_colors_info=”{}”][et_pb_text _builder_version=”4.24.0″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

Debt-Service-Coverage Ratio (DSCR) Mortgage<\/span><\/h2>\n

Use Case:<\/strong> A real estate investor looking to expand their holdings, but that no longer checks the traditional “debt to income ratio” box. This loan is based on the cashflow of the property itself, rather than the borrower’s global DTI\/cashflow. These are pseudo-commercial mortgages.<\/span><\/p>\n

Intended Occupancy:<\/strong> Rental property.<\/span><\/p>\n

Notes:<\/strong> An example of a non-QM loan that is more favorable than most. Borrower must currently own a primary residence they live in, this is not for first time homebuyers.<\/span><\/p>\n

Interest Rate & Closing Costs:<\/strong> In-line with market for a good rental property, above market for a sub-par investment. Risk-based pricing based on cap rate.<\/span><\/p>\n

[\/et_pb_text][et_pb_button button_url=”https:\/\/www.eastbaysmortgagebroker.com\/contact\/” button_text=”Apply Now” button_alignment=”center” _builder_version=”4.24.0″ _module_preset=”default” custom_button=”on” button_text_color=”#FFFFFF” button_bg_color=”#87082a” locked=”off” global_colors_info=”{}”][\/et_pb_button][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.24.0″ _module_preset=”default” custom_css_main_element=”margin-top: auto;||margin-bottom: auto;” global_colors_info=”{}”][et_pb_image src=”https:\/\/www.eastbaysmortgagebroker.com\/wp-content\/uploads\/2024\/01\/DSCR-Mortgage.jpg” alt=”Realtors” title_text=”DSCR Mortgage” align=”center” _builder_version=”4.24.0″ _module_preset=”default” max_width=”400px” custom_margin=”30px||30px||false|false” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ make_equal=”on” _builder_version=”4.24.0″ _module_preset=”default” max_width=”1080px” custom_css_main_element=”display: flex;||flex-wrap: wrap;” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.24.0″ _module_preset=”default” custom_css_main_element=”margin-top: auto;||margin-bottom:auto;” global_colors_info=”{}”][et_pb_image src=”https:\/\/www.eastbaysmortgagebroker.com\/wp-content\/uploads\/2024\/01\/Debt-to-Income-Exclusion-Mortgage.jpg” alt=”Realtors” title_text=”Debt-to-Income Exclusion Mortgage” align=”center” _builder_version=”4.24.0″ _module_preset=”default” max_width=”400px” custom_margin=”30px||30px||false|false” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.24.0″ _module_preset=”default” custom_css_main_element=”margin-top: auto;||margin-bottom: auto;||order: 2″ global_colors_info=”{}”][et_pb_text _builder_version=”4.24.0″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

Debt-to-Income Exclusion Mortgage<\/span><\/h2>\n

Use Case:<\/strong> Higher net-worth individuals or families that do not have sufficient income to meet the standard debt-to-income ratio requirements, but that can almost pay cash for the home.<\/span><\/p>\n

Intended Occupancy:<\/strong> Primary residence, 2nd home or vacation home, or rental property. <\/span><\/p>\n

Notes:<\/strong> Intended to maximize leverage in order to avoid having to pay cash, and will involve establishing a revocable living trust, if not already in place.<\/span><\/p>\n

Interest Rate & Closing Costs:<\/strong> In-line with market.<\/span><\/p>\n

[\/et_pb_text][et_pb_button button_url=”https:\/\/www.eastbaysmortgagebroker.com\/contact\/” button_text=”Apply Now” button_alignment=”center” _builder_version=”4.24.0″ _module_preset=”default” custom_button=”on” button_text_color=”#FFFFFF” button_bg_color=”#87082a” locked=”off” global_colors_info=”{}”][\/et_pb_button][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ make_equal=”on” _builder_version=”4.24.0″ _module_preset=”default” max_width=”1080px” custom_css_main_element=”display: flex;||flex-wrap: wrap;” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.24.0″ _module_preset=”default” custom_css_main_element=”margin-top: auto;||margin-bottom:auto;||order: 2;” global_colors_info=”{}”][et_pb_text _builder_version=”4.24.0″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

Delayed Financing Provision<\/span><\/h2>\n

Use Case:<\/strong> Financing a home that was purchased in cash, shortly after closing escrow, in order to restore liquidity. Primary residence, 2nd home or vacation home, or investment property.<\/span><\/p>\n

Intended Occupancy:<\/strong> Primary residence, 2nd home or vacation home, or rental property. <\/span><\/p>\n

Notes:<\/strong> You are highly encouraged to consult with us prior to closing on the purchase to avoid any “surprises.” Can be used to pay back retirement accounts (401k, IRA) within 60 days to a void tax consequences.<\/span><\/p>\n

Interest Rate & Closing Costs:<\/strong> In-line with market.<\/span><\/p>\n

[\/et_pb_text][et_pb_button button_url=”https:\/\/www.eastbaysmortgagebroker.com\/contact\/” button_text=”Apply Now” button_alignment=”center” _builder_version=”4.24.0″ _module_preset=”default” custom_button=”on” button_text_color=”#FFFFFF” button_bg_color=”#87082a” locked=”off” global_colors_info=”{}”][\/et_pb_button][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.24.0″ _module_preset=”default” custom_css_main_element=”margin-top: auto;||margin-bottom: auto;” global_colors_info=”{}”][et_pb_image src=”https:\/\/www.eastbaysmortgagebroker.com\/wp-content\/uploads\/2024\/01\/Delayed-Financing-Provision.jpg” alt=”Realtors” title_text=”Delayed Financing Provision” align=”center” _builder_version=”4.24.0″ _module_preset=”default” max_width=”400px” custom_margin=”30px||30px||false|false” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ make_equal=”on” _builder_version=”4.24.0″ _module_preset=”default” max_width=”1080px” custom_css_main_element=”display: flex;||flex-wrap: wrap;” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.24.0″ _module_preset=”default” custom_css_main_element=”margin-top: auto;||margin-bottom:auto;” global_colors_info=”{}”][et_pb_image src=”https:\/\/www.eastbaysmortgagebroker.com\/wp-content\/uploads\/2024\/01\/Elderly-Parent-Housing-Provision.jpg” alt=”Realtors” title_text=”Elderly Parent Housing Provision” align=”center” _builder_version=”4.24.0″ _module_preset=”default” max_width=”400px” custom_margin=”30px||30px||false|false” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.24.0″ _module_preset=”default” custom_css_main_element=”margin-top: auto;||margin-bottom: auto;||order: 2″ global_colors_info=”{}”][et_pb_text _builder_version=”4.24.0″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

Elderly Parent Housing Provision<\/span><\/h2>\n

Use Case:<\/strong> An adult purchasing or refinancing a home in order to provide housing for their parents who are unable to work, or that have insufficient income to qualify for a mortgage on their own.<\/span><\/p>\n

Intended Occupancy:<\/strong> Primary residence for the elderly parent.<\/span><\/p>\n

Notes:<\/strong> Flexible down payment options.<\/span><\/p>\n

Interest Rate & Closing Costs:<\/strong> In-line with market if a purchase, often below market if a refinance.<\/span><\/p>\n

[\/et_pb_text][et_pb_button button_url=”https:\/\/www.eastbaysmortgagebroker.com\/contact\/” button_text=”Apply Now” button_alignment=”center” _builder_version=”4.24.0″ _module_preset=”default” custom_button=”on” button_text_color=”#FFFFFF” button_bg_color=”#87082a” locked=”off” global_colors_info=”{}”][\/et_pb_button][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ make_equal=”on” _builder_version=”4.24.0″ _module_preset=”default” max_width=”1080px” custom_css_main_element=”display: flex;||flex-wrap: wrap;” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.24.0″ _module_preset=”default” custom_css_main_element=”margin-top: auto;||margin-bottom:auto;||order: 2;” global_colors_info=”{}”][et_pb_text _builder_version=”4.24.0″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

Family Bailout Mortgage<\/span><\/h2>\n

Use Case:<\/strong> Immediate family member is behind on payments, possibly facing foreclosure, with significantly bruised credit (IE, they likely cannot qualify for a refinance mortgage on their own). Another family member will buy the home from them, taking out a new mortgage in their own name. If it is to be a primary residence, often the down payment requirement can be waived.<\/span><\/p>\n

Intended Occupancy:<\/strong> Primary residence, 2nd home or vacation home, or rental property. <\/span><\/p>\n

Notes:<\/strong> The current<\/em> homeowner’s credit score is irrelevant. The former name of this program, the “Family Bailout Opportunity Mortgage (F-BOM),” is no longer in use.<\/span><\/p>\n

Interest Rate & Closing Costs:<\/strong> In-line with market.<\/span><\/p>\n

[\/et_pb_text][et_pb_button button_url=”https:\/\/www.eastbaysmortgagebroker.com\/contact\/” button_text=”Apply Now” button_alignment=”center” _builder_version=”4.24.0″ _module_preset=”default” custom_button=”on” button_text_color=”#FFFFFF” button_bg_color=”#87082a” locked=”off” global_colors_info=”{}”][\/et_pb_button][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.24.0″ _module_preset=”default” custom_css_main_element=”margin-top: auto;||margin-bottom: auto;” global_colors_info=”{}”][et_pb_image src=”https:\/\/www.eastbaysmortgagebroker.com\/wp-content\/uploads\/2024\/01\/Family-Bailout-Mortgage.jpg” alt=”Realtors” title_text=”Family Bailout Mortgage” align=”center” _builder_version=”4.24.0″ _module_preset=”default” max_width=”400px” custom_margin=”30px||30px||false|false” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ make_equal=”on” _builder_version=”4.24.0″ _module_preset=”default” max_width=”1080px” custom_css_main_element=”display: flex;||flex-wrap: wrap;” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.24.0″ _module_preset=”default” custom_css_main_element=”margin-top: auto;||margin-bottom:auto;” global_colors_info=”{}”][et_pb_image src=”https:\/\/www.eastbaysmortgagebroker.com\/wp-content\/uploads\/2024\/01\/Family-Opportunity-Mortgage.jpg” alt=”Realtors” title_text=”Family Opportunity Mortgage” align=”center” _builder_version=”4.24.0″ _module_preset=”default” max_width=”400px” custom_margin=”30px||30px||false|false” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.24.0″ _module_preset=”default” custom_css_main_element=”margin-top: auto;||margin-bottom: auto;||order: 2″ global_colors_info=”{}”][et_pb_text _builder_version=”4.24.0″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

Family Opportunity Mortgage<\/span><\/h2>\n

Use Case:<\/strong> Buying from an immediate family member, often at a discounted price relative to fair market value, with the intention of making the home your new primary residence.<\/span><\/p>\n

Intended Occupancy:<\/strong> Primary residence for the family member buyer.<\/span><\/p>\n

Notes:<\/strong> Can very often avoid the down payment requirement. If the “family discount” is 20% or more as confirmed by an appraiser, can bypass private mortgage insurance (PMI) entirely.<\/span><\/p>\n

Interest Rate & Closing Costs:<\/strong> Typically below market, sometimes in-line with market.<\/span><\/p>\n

[\/et_pb_text][et_pb_button button_url=”https:\/\/www.eastbaysmortgagebroker.com\/contact\/” button_text=”Apply Now” button_alignment=”center” _builder_version=”4.24.0″ _module_preset=”default” custom_button=”on” button_text_color=”#FFFFFF” button_bg_color=”#87082a” locked=”off” global_colors_info=”{}”][\/et_pb_button][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ make_equal=”on” _builder_version=”4.24.0″ _module_preset=”default” max_width=”1080px” custom_css_main_element=”display: flex;||flex-wrap: wrap;” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.24.0″ _module_preset=”default” custom_css_main_element=”margin-top: auto;||margin-bottom:auto;||order: 2;” global_colors_info=”{}”][et_pb_text _builder_version=”4.24.0″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

House Hacker<\/span><\/h2>\n

Use Case:<\/strong> Purchasing a home that exceeds your personal housing needs, with the intention of renting out the surplus space, to family, friends, co-workers, or strangers.<\/span><\/p>\n

Intended Occupancy:<\/strong> Primary residence.<\/span><\/p>\n

Notes:<\/strong> As of 2024, this can be done with 1-4 unit properties with a non-FHA loan with 5% down, regardless of first-time homebuyer status. No longer income-capped, and FHA rules such as the “self-sufficiency test” no longer apply. Can rinse\/repeat.<\/span><\/p>\n

Interest Rate & Closing Costs:<\/strong> In-line with market.<\/span><\/p>\n

[\/et_pb_text][et_pb_button button_url=”https:\/\/www.eastbaysmortgagebroker.com\/contact\/” button_text=”Apply Now” button_alignment=”center” _builder_version=”4.24.0″ _module_preset=”default” custom_button=”on” button_text_color=”#FFFFFF” button_bg_color=”#87082a” locked=”off” global_colors_info=”{}”][\/et_pb_button][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.24.0″ _module_preset=”default” custom_css_main_element=”margin-top: auto;||margin-bottom: auto;” global_colors_info=”{}”][et_pb_image src=”https:\/\/www.eastbaysmortgagebroker.com\/wp-content\/uploads\/2024\/01\/House-Hacker.jpg” alt=”Realtors” title_text=”House Hacker” align=”center” _builder_version=”4.24.0″ _module_preset=”default” max_width=”400px” custom_margin=”30px||30px||false|false” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ make_equal=”on” _builder_version=”4.24.0″ _module_preset=”default” max_width=”1080px” custom_css_main_element=”display: flex;||flex-wrap: wrap;” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.24.0″ _module_preset=”default” custom_css_main_element=”margin-top: auto;||margin-bottom:auto;” global_colors_info=”{}”][et_pb_image src=”https:\/\/www.eastbaysmortgagebroker.com\/wp-content\/uploads\/2024\/01\/Kiddy-Condo.jpg” alt=”Realtors” title_text=”Kiddy Condo” align=”center” _builder_version=”4.24.0″ _module_preset=”default” max_width=”400px” custom_margin=”30px||30px||false|false” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.24.0″ _module_preset=”default” custom_css_main_element=”margin-top: auto;||margin-bottom: auto;||order: 2″ global_colors_info=”{}”][et_pb_text _builder_version=”4.24.0″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

Kiddy Condo<\/span><\/h2>\n

Use Case:<\/strong> This no longer exists, except inasmuch as it might fit into one of the other categories.<\/span><\/p>\n

Intended Occupancy:<\/strong> Primary residence for the college student.<\/span><\/p>\n

Notes:<\/strong> There are other solutions while your child is in college, just not a distinct program.<\/span><\/p>\n

Interest Rate & Closing Costs:<\/strong> N\/A<\/span><\/p>\n

[\/et_pb_text][et_pb_button button_url=”https:\/\/www.eastbaysmortgagebroker.com\/contact\/” button_text=”Apply Now” button_alignment=”center” _builder_version=”4.24.0″ _module_preset=”default” custom_button=”on” button_text_color=”#FFFFFF” button_bg_color=”#87082a” locked=”off” global_colors_info=”{}”][\/et_pb_button][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ make_equal=”on” _builder_version=”4.24.0″ _module_preset=”default” max_width=”1080px” custom_css_main_element=”display: flex;||flex-wrap: wrap;” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.24.0″ _module_preset=”default” custom_css_main_element=”margin-top: auto;||margin-bottom:auto;||order: 2;” global_colors_info=”{}”][et_pb_text _builder_version=”4.24.0″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

Non-Qualified Mortgage (“Non-QM”)<\/span><\/h2>\n

Use Case:<\/strong> The proposed transaction, or the proposed borrowers, fall outside of the guardrails put in place after the 2008 Global Financial Crisis. Someone is trying to “party like it’s 2006.”<\/span><\/p>\n

Intended Occupancy:<\/strong> Primary residence, 2nd home or vacation home, or rental property. <\/span><\/p>\n

Notes:<\/strong> Formerly known as “sub-prime” mortgages, other aliases include “stated income,” negatively amortizing, or “NINJA” loans.<\/span><\/p>\n

Interest Rate & Closing Costs:<\/strong> Above market.<\/span><\/p>\n

[\/et_pb_text][et_pb_button button_url=”https:\/\/www.eastbaysmortgagebroker.com\/contact\/” button_text=”Apply Now” button_alignment=”center” _builder_version=”4.24.0″ _module_preset=”default” custom_button=”on” button_text_color=”#FFFFFF” button_bg_color=”#87082a” locked=”off” global_colors_info=”{}”][\/et_pb_button][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.24.0″ _module_preset=”default” custom_css_main_element=”margin-top: auto;||margin-bottom: auto;” global_colors_info=”{}”][et_pb_image src=”https:\/\/www.eastbaysmortgagebroker.com\/wp-content\/uploads\/2024\/01\/Non-QM.jpg” alt=”Realtors” title_text=”Non-QM” align=”center” _builder_version=”4.24.0″ _module_preset=”default” max_width=”400px” custom_margin=”30px||30px||false|false” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ make_equal=”on” _builder_version=”4.24.0″ _module_preset=”default” max_width=”1080px” custom_css_main_element=”display: flex;||flex-wrap: wrap;” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.24.0″ _module_preset=”default” custom_css_main_element=”margin-top: auto;||margin-bottom:auto;” global_colors_info=”{}”][et_pb_image src=”https:\/\/www.eastbaysmortgagebroker.com\/wp-content\/uploads\/2024\/01\/Student-Loan-Debt-Consolidation.jpg” alt=”Realtors” title_text=”Student Loan Debt Consolidation” align=”center” _builder_version=”4.24.0″ _module_preset=”default” max_width=”400px” custom_margin=”30px||30px||false|false” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.24.0″ _module_preset=”default” custom_css_main_element=”margin-top: auto;||margin-bottom: auto;||order: 2″ global_colors_info=”{}”][et_pb_text _builder_version=”4.24.0″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

Student Loan Debt Consolidation<\/span><\/h2>\n

Use Case:<\/strong> Cash-out refinance to pay down, or off, student loan debt, for you or your child.<\/span><\/p>\n

Intended Occupancy:<\/strong> Primary residence, 2nd home or vacation home, or rental property. <\/span><\/p>\n

Notes:<\/strong> At least one borrower must also be obligated (inclusive of cosigning) on the student loans.<\/span><\/p>\n

Interest Rate & Closing Costs:<\/strong> In-line with market.<\/span><\/p>\n

[\/et_pb_text][et_pb_button button_url=”https:\/\/www.eastbaysmortgagebroker.com\/contact\/” button_text=”Apply Now” button_alignment=”center” _builder_version=”4.24.0″ _module_preset=”default” custom_button=”on” button_text_color=”#FFFFFF” button_bg_color=”#87082a” locked=”off” global_colors_info=”{}”][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Testimonials” _builder_version=”4.23.1″ custom_padding=”100px||100px||false|false” collapsed=”off” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_testimonial author=”Kevin C.” quote_icon=”off” admin_label=”Testimonial: Kevin C.” _builder_version=”4.16″ global_colors_info=”{}”]<\/p>\n

\u2b50\u2b50\u2b50\u2b50\u2b50<\/p>\n

“Way more transparent<\/strong> than any other lender I\u2019ve worked with. Definitely would recommend. Thanks Chris!”<\/p>\n

[\/et_pb_testimonial][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_testimonial author=”Juan R.” quote_icon=”off” admin_label=”Testimonial: Juan R.” _builder_version=”4.16″ global_colors_info=”{}”]<\/p>\n

\u2b50\u2b50\u2b50\u2b50\u2b50<\/p>\n

“Chris does a great job in taking the time to make sure we know what to do and what all the jargon means. Critical for first-time home buyers<\/strong> like us!”<\/p>\n

[\/et_pb_testimonial][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”4 Big Bullets Section” module_class=”two-columns” _builder_version=”4.24.0″ global_module=”564″ saved_tabs=”all” locked=”off” collapsed=”on” global_colors_info=”{}”][et_pb_row column_structure=”1_4,1_4,1_4,1_4″ admin_label=”4 Big Bullets Row” _builder_version=”4.24.0″ background_color=”#87082a” width=”100%” module_alignment=”center” custom_padding=”20px|20px|20px|20px|false|false” border_width_bottom=”1px” border_color_bottom=”#87082a” global_colors_info=”{}”][et_pb_column type=”1_4″ _builder_version=”4.24.0″ global_colors_info=”{}”][et_pb_text admin_label=”Personal Service” _builder_version=”4.24.0″ text_font=”Alatsi||||||||” text_text_color=”#ffffff” text_font_size=”26px” text_orientation=”center” module_alignment=”center” text_font_size_tablet=”” text_font_size_phone=”18px” text_font_size_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n

PERSONAL
SERVICE<\/p>\n

[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_4″ _builder_version=”4.24.0″ global_colors_info=”{}”][et_pb_text admin_label=”Shop Multiple Lenders Rates” _builder_version=”4.24.0″ text_font=”Alatsi||||||||” text_text_color=”#ffffff” text_font_size=”26px” text_orientation=”center” text_font_size_tablet=”” text_font_size_phone=”18px” text_font_size_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n

SHOP MULTIPLE
LENDERS RATES<\/p>\n

[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text admin_label=”Phenomenally Fast Closings” _builder_version=”4.16″ text_font=”Alatsi||||||||” text_text_color=”#ffffff” text_font_size=”26px” text_orientation=”center” text_font_size_tablet=”” text_font_size_phone=”18px” text_font_size_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n

PHENOMENALLY
FAST CLOSINGS<\/p>\n

[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text admin_label=”Unparalleled Support” _builder_version=”4.24.0″ text_font=”Alatsi||||||||” text_text_color=”#ffffff” text_font_size=”26px” text_orientation=”center” custom_margin_tablet=”28px||||false|false” custom_margin_phone=”0px||||false|false” custom_margin_last_edited=”on|desktop” text_font_size_tablet=”” text_font_size_phone=”18px” text_font_size_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n

UNPARALLELED
SUPPORT<\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”H1 Intro Text + Chris Photo” _builder_version=”4.16″ custom_padding=”8px||0px|||” collapsed=”off” global_colors_info=”{}”][et_pb_row column_structure=”3_5,2_5″ _builder_version=”4.24.0″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” custom_padding=”||5px|||” global_colors_info=”{}” custom_css_main_element_last_edited=”on|phone” custom_css_main_element_phone=”display: flex;||flex-wrap: wrap;”][et_pb_column type=”3_5″ _builder_version=”4.24.0″ custom_padding=”|||” custom_css_main_element=”order: 2;||margin-top: auto;||margin-bottom: auto;” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text admin_label=”H1 Intro text” _builder_version=”4.24.0″ header_font_size=”24px” background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ locked=”off” global_colors_info=”{}” sticky_enabled=”0″]<\/p>\n

Meet Chris Mason<\/h1>\n

Chris Mason has built a solid local reputation since 2014 helping first time homebuyers<\/a>, refinancers<\/a>, and real estate investors<\/a> in California obtain optimal and fast mortgage financing to help them accomplish their goals.<\/p>\n

Chris Mason and America’s Home Loans are deeply committed to their clients and ensuring that they receive an above optimal experience by providing sophisticated and personalized brokerage services at every step of the loan origination process.<\/p>\n

We take pride in treating each client as an individual, not a number, and are committed to helping you obtain the absolute best loan possible.<\/p>\n

Contact us today at (415) 846-9211<\/a> or schedule a free consultation via our online form<\/a> for a FAST & FREE rate quote and to get all your mortgage questions answered with Chris.[\/et_pb_text][\/et_pb_column][et_pb_column type=”2_5″ _builder_version=”4.24.0″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” custom_css_main_element_last_edited=”on|phone” custom_css_main_element_phone=”order: 1;||margin-top: auto;||margin-bottom: auto;”][et_pb_image src=”https:\/\/www.eastbaysmortgagebroker.com\/wp-content\/uploads\/2020\/03\/Chris-Mason-480.jpg” align=”center” align_tablet=”center” align_phone=”center” align_last_edited=”on|phone” admin_label=”Chris Mason Photo” _builder_version=”4.24.0″ custom_margin=”||20px||false|false” global_colors_info=”{}”][\/et_pb_image][et_pb_text admin_label=”Chris Mason, Loan Officer” _builder_version=”4.23.1″ text_font=”||on||||||” text_orientation=”right” global_colors_info=”{}”]<\/p>\n

Chris Mason, Loan Officer<\/strong><\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.16″ background_color=”#f7f7f7″ custom_padding=”40px||40px||false|false” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.16″ custom_css_main_element=”max-width:720px;||width:100%;||margin-left:auto;||margin-right:auto;” collapsed=”off” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_number_counter title=”Five Star Reviews” number=”100+” percent_sign=”off” admin_label=”Cities Served” _builder_version=”4.16″ global_colors_info=”{}”][\/et_pb_number_counter][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_number_counter title=”Years In Business” number=”10″ percent_sign=”off” admin_label=”Years In Business” _builder_version=”4.23.1″ global_module=”2432″ saved_tabs=”all” global_colors_info=”{}”][\/et_pb_number_counter][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.16″ global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text admin_label=”We know numbers” _builder_version=”4.16″ custom_css_main_element=”max-width:720px;||width:100%;||margin-left:auto;||margin-right:auto;” global_colors_info=”{}”]<\/p>\n

We know numbers. And you’re not one of them!<\/em><\/span><\/h2>\n

At America’s Home Loans, we take pride in treating each client as an INDIVIDUAL and not a NUMBER. You’re more than just a loan application to us and we are committed to understanding your needs and helping you obtain the absolute best loan possible.[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_padding=”0px|||||” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text admin_label=”Primary Residence Mortgages” _builder_version=”4.16″ max_width=”740px” module_alignment=”center” locked=”off” global_colors_info=”{}”]<\/p>\n

    \n
  • \u2705 SHOP MULTIPLE LENDERS RATES<\/strong> – As an independent mortgage broker, we shop the ENTIRE MARKETPLACE for commercial loans to find you the most optimal loan. Unlike a direct lender, we are not tied to one bank or lending institution.<\/li>\n
  • \u2705 LENDER FLEXIBILITY<\/strong> – Once we find the terms and rates that work for you, we will submit your proposed transaction to multiple lenders, creating a silent bidding war between them to win the business. We take the power from the direct lenders, and give it back to the borrower.<\/li>\n
  • \u2705 ON TIME CLOSINGS<\/strong> – The most common delays with buying real estate comes down to obtaining financing. A delay in financing costs you time, money, and sometimes even the property itself. At America’s Home Loans, we create a financing timeline for you and then STICK TO IT so that stay on track to close on your property on the expected date (or sooner).<\/li>\n
  • \u2705 TRANSPARENCY<\/strong> – We highly value transparency and make it the cornerstone of all of our marketing and client communications.<\/li>\n
  • \u2705 UNPARALLELED SUPPORT<\/strong> – There’s a reason why most of our business comes from client and Realtor referrals — because they know (from experience) the level of communication and support we offer buyers throughout their entire experience. From the very beginning to the absolute end of your financing process, we don’t rest until you close!<\/li>\n
  • \u2705 10 YEARS EXPERIENCE<\/strong> \u2013 We’ve got the reputation, reliability, and experience you can trust. Servicing loans is a career, not a side hustle. It’s important to work with an experienced team so that your mortgage broker isn’t learning the ropes on your dime.<\/li>\n<\/ul>\n

    [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.23.4″ _module_preset=”default” background_color=”#000000″ sticky_position=”bottom” global_colors_info=”{}”][et_pb_row _builder_version=”4.23.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.23.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_button button_url=”https:\/\/www.eastbaysmortgagebroker.com\/contact\/” button_text=”Schedule A Free Consultation” button_alignment=”center” _builder_version=”4.24.0″ _module_preset=”default” custom_button=”on” button_text_color=”#FFFFFF” button_bg_color=”#0C71C3″ button_text_size_tablet=”” button_text_size_phone=”16px” button_text_size_last_edited=”on|phone” global_colors_info=”{}”][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"

    Within our exclusive network of California direct lenders and banks, we have a number of “niche” mortgage solutions that solve very specific problems. Please take a look below to see if we have a tailor-made solution to your problem, and if you don’t see what you are looking for, schedule a free consultation and we […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"yoast_head":"\nCalifornia Mortgages for Special & Extenuating Circumstances<\/title>\n<meta name=\"description\" content=\"We offer tailor-made mortgage solutions for home buyers with special or extenuating circumstances. 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