SCEPTRE MORTGAGE
SUPPORTING YOU THROUGH THE MORTGAGE PROCESS
Ask the questions you want, and get the answers you deserve.
SCEPTRE MORTGAGE
SUPPORTING YOU THROUGH THE MORTGAGE PROCESS
Ask the questions you want, and get the answers you deserve.
The Path to Home Ownership
Decide
The hardest part of the mortgage process is making the decision. Let our knowledgeable staff give you the information to help your family make an informed decision.
Unlock
Owning or refinancing your home unlocks unlimited memories and possibilities. We at Sceptre Mortgage are here to help you move beyond the possibilities.
Rule Your Domain
We believe that everyone should Rule their domain. Home ownership provides just that, rulership!
Purchase Checklist
Purchase Checklist
Purchase Checklist
Apply
Purchase Checklist
Purchase Checklist
Loan Types
Conventional & Non-Conventional Loans
Manufactured Homes
FHA & VA Loans
You Asked and We Listened:
Partner with Sceptre Mortgage and…
Offer your clients a “ONE STOP SOLUTION”
Get your clients into their dream homes faster. Reduce unnecessary stress and anxiety. Owner-occupied or Investor, allow Sceptre Mortgage to walk you and your client through the process.
Down Payment Assistance
Down Payment Assistance
Down Payment Assistance
We use CalHFA, California Housing Finance Agency, and CHENOA Fund DPA. They offer a range of programs to help Californians achieve their dream of homeownership. Some of the most popular programs are Down Payment Assistance & a Down Payment Grants, and they are game-changers for many homebuyers. Max Debt-to-Income not to exceed 45%-50% for CalHFA depending on FICO. Max Debt-to-Income for CHENOA is set by AUS approval.
Reverse Mortgage
Down Payment Assistance
Down Payment Assistance
Purchase or Refinance eligible. Offers a variety of ways for seniors to lower their monthly expenses including options to put the reverse funds into a reusable line of credit that grows over time. Includes low upfront cost with easier income qualification parameters, with no required monthly mortgage payments. (Real estate taxes, homeowners insurance, and property maintenance are still required.) Ask your Loan Officer today for more information to see if this is the right option for you.
Manufactured Housing
Down Payment Assistance
Manufactured Housing
We offer a wide variety of Manufactured housing products to meet your needs. Ask your Loan Officer today about programs and restrictions.
Renovation Loans
Bank Statement & 1099 Only Loans
Manufactured Housing
Finally, you can add that “ADU”, Additional Dwelling Unit or swimming pool, or get your kitchen remodeled.
Bank Statement & 1099 Only Loans
Bank Statement & 1099 Only Loans
Bank Statement & 1099 Only Loans
For those of you who do not work a traditional 9 to 5, don’t worry, we have your covered as well. Purchase or Refinance a home using only 12 or 24 months Bank Statement to qualify. Minimum FICO is 640. Mxx LTV is 90%. Restrictions apply.
HomeStyle Renovation Loans
Bank Statement & 1099 Only Loans
Bank Statement & 1099 Only Loans
Purchase or Refinance Eligible. Minimum FICO of 620. There are no required improvements or restrictions on the types of renovations allowed, nor is there a minimum dollar amount for renovations. Ask Loan Officer for details and restrictions.
Conventional Loans
Conventional Loans
Conventional Loans
Purchase or refinance eligible. Fannie Mae and Freddie Mac approved programs. Minimum 3%-5% down depending on program and qualification. Primary and second home eligible. 620 FICO
FHA 203K
Conventional Loans
Conventional Loans
Purchase or refinance eligible. Minimum FICO 620. Major remodeling or structural repairs/alterations such as but not limited to: 1-4 structure conversions, additions, finished attic, basements, changing footprint or requiring architectural plans; Any addition must be attached to the existing residential structure.
FHA & VA Loans
Conventional Loans
Commercial Loans
Purchase or Refinance Eligible. As little as 3.5% down for FHA and Zero down for VA. 550/580 FICO
Commercial Loans
Conventional High Balance
Commercial Loans
Purchase or Refinance Eligible. Multifamily, Light Industrial/Warehouse, Mixed-Use, Office, Retail, Self-Storage, Mobile Home Parks, Single Family Pools Purchase, Refinance, Cash Out Bridge Program & 1-4 unit Rental Program FICO starting at 600
Jumbo Loans
Conventional High Balance
Conventional High Balance
Buy more homes by securing a loan that goes past the conventional mortgage loan limits. Purchase or refinance properties up to $3,000,000. Max Debt-to-Income not to exceed 43%. LTV over 85%, DTI cannot exceed 40%. The Max Loan amount is $3,000,000. Max LTV 96.5. Minimum FICO 700.
Conventional High Balance
Conventional High Balance
Conventional High Balance
Why pay Mortgage insurance if you do not have to. Purchase or Refinance your home while Removing Mortgage Insurance on High Balance Loans. Minimum LTV is 80.01 – Max LTV 89.99. Minimum Loan Amount $647,201. Minimum FICO is 680.
Contact Us
Please fill free to contact us for any questions you have regarding your mortgage related needs. We are here to help you through the process. Reach us phone or fill out the short contact form below and one of our knowledgeable Loan Officers will contact your shortly.
Loans by Lynell
Hours
Open today | 09:00 am – 05:00 pm |
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