When buying a house, you may get pre-qualified or pre-approved.

A pre-qualification puts our clients in a stronger position when negotiating with the seller because the seller knows that your loan is already approved. Mortgage Tree Capital will pre-approve all of our clients which will include the following.

1.Verification of credit

2.Employment History

3.Rental / Mortgage History

4.Income/ Assets (Debt Ratio)

Before any of our clients start looking for a house we want you to find out the maximum house you can buy so we do not waste time looking for properties you cannot afford and this will help the loan close quickly since the loan has already been approved.

* 100% At 580 no option ARM, no impounds

* Stated programs to 100% LTV

103% & 107% Full Doc Loans

12 month Bank Statements (W2 or SE) same as Full Doc.

100% CLTV with a 500 FICO score. (20% Seller Carry back)

* Fixed

40-, 30-, 20-, and 15-year programs

Loan amounts to $2M

Credit score 500+

Full, limited, stated, and NINA doc types

* 100% with 0X60 Mortgage History

95% with 0X90 Mortgage History

DTI of 55%

100% One Day out of Bankruptcy

100% No Trade lines Required

100% FTHB Rent Free