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100% Loan To Value

Conforming

95% LTV

Example 1
Conforming 97% LTV Example 2

100% LTV

Example 3

Loan Amount
$114,000
$116,400
$120,000
These are not APR and are for this expample only.
6.50%
6.50%
7.10%
Principle & Interest
$720.56
$735.73
$806.44
Private Mortgage Insurance
$85.50
$100.88
$0.00
Total Payment
$806.06
$836.61
$806.44
Down Payment Needed
$6,000
$3,600
$0
2-4 Months PMI Prepaid
$342
$403
$0 -No PMI
2-3 Months HO Insurance Prepaid
$90
$90
$0
Up to 6 months Taxes Prepaid
$600
$600
$0
15 Days per Diem Interest
$334
$341
$0
Potential Out of Pocket Cost
$7,366
$5,034
$0
Max Seller Contribution
3%($3,600)
3%($3,600)
6%($7,200)
2 Months PITI Reserves
$1796
$1,828
$0
Total Cash Needed to be Verified
$9162
$6,862
$0

 

The Facts on 100% LTV Loans

  • No cash needed to close. 100% Financing
  • 100% Financing up to $400,000. Cash Out Available
  • 6% Seller Contribution
  • Highest Debt Ratio and Less Income Needed to Qualify
    • (Min Income for example 1&2 at a 33% DTI is $36,000 per year)
    • (Min Income for 100% at a 50% DTI is $26,000 per year)
  • Higher Loan Limits
  • No PMI - Larger Tax Deduction (PMI is Not Tax Deductible)
First and Second Mortgages
Home Improvement Loans
Debt Consolidation Loans

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