FHA 580-639 FICO Program
We continue to lead the industry by providing world-class products and service to our clients! We are committed to extending the opportunity of homeownership through responsible lending that leads to affordable home loans.
We offer an FHA program to borrowers with FICO scores between 580 and 639. This means more opportunity for customers to qualify for a home loan!

  • 3.5% down
  • Gift funds permitted
  • Fixed-rate loan only
  • Applies only to purchase loans

Jumbo Loans Mean Big Benefits!
We have expanded our ability to originate Jumbo loans. This will make it easier for consumers to qualify for loans exceeding the FNMA county limits. Since very few lenders are able to handle Jumbo loans, working with me allows you to refer your clients to a world-class full-service lender!

  • Easy, convenient borrower qualification for loans exceeding the FNMA limits
  • Loan amounts up to $2 million*
  • Fixed-rate, adjustable-rate and interest-only loans
  • Cash-out available
  • Available on 1-2 units
  • Primary residence or second home purchase, or rate and term refinance

Fannie Mae HomePath® Financing Made Even More Affordable!
Great news for non-owner occupied properties: The 1.5 point pricing adjustment has been eliminated! That means qualified investors receive even more value from this exciting and affordable loan.
Highlights of this special offer on Fannie Mae HomePath® financing include:

  • Qualify with 740 credit score or above
  • Maximum of 70%** loan to value
  • No property appraisal required

Click here to visit my website and apply on line: www.MyProspectMortgage.com/TimCarpenter

Tim Carpenter/Prospect Mortgage
4275 Executive Square, Suite #700
La Jolla, ca 92037
Direct:  619.749.8899
eFax:  1.877.892.0459NMLS# 247359

More questions we can help you, at County Properties, 24 years of Real Estate brokerage experience, trust and a Member of the local Better Business Bureau!
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