Nations Trust Mortgage is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different.  Offering the widest range of home loan options, Nations Trust Mortgage's Full Doc purchase program turns more home shoppers into home buyers.

• No Mortgage Insurance Required
• Full Doc Financing with just one 12-month bank statement summary
• Owner-occupied (O/O), non-owner-occupied and second home properties
• Up to 100% financing for O/O and second homes
• 100% LTV financing 580 FICO
• Up to 6% seller contributions may be used for closing costs
• Affordable interest only options available
• No VOR or VOM
• Purchase programs available with FICOs from 540
• No seasoning required on discharged bankruptcy
• 30, 40 and 50 year amortization terms

The following is a list of guidelines for our Construction loans: 

• Loan amounts up to $3M
• LTV up to 95%
• Primary Residence & Second Homes
• Interest rate protection and free float down option
• Owner-builder programs available
• Construction terms up to 24 months
• Curb side funding
• Rate locks for 12 months
• One time closing

The following are guidelines for Builder Spec Loans:

• Loan amounts up to $1.5M
• Financing up to 90% of total project cost
• LTV up to 80%
• Up to 4 loans to the same building professional within the same subdivision, market or neigborhood.
• Lot draws up to 60% of original cost
• Land equity and pre-paid costs may be used as cash-to-close
• Interest Only
• Construction terms up to 18 months

The Purchase-Rehab loan allows our borrowers to purchase a home, including renovations in the sales price, with little money out of pocket.  This loan is available to borrowers who like the location and several features of a property, but want to change a few things before they buy it.  This loan allows borrowers to add on the cost of a garage or renovated kitchen, for example, to the sales price.  It's a great product for turning a home from something you like into something you love.  Please contact one of our loan brokers regarding any questions about this product. 

• One-time close
• Max 95% LTV and 100% CLTV
• Loan amount determined by future value
• Primary & Secondary homes only
• Single Family Residences, Low-rise condos
• Loan amounts up to $250,000 - min. loan amount $10,000
• No interest reserve or contingency reserve requirement
• Rehabs and Remodels
• Up to 6-month construction term

The following are the guidelines for our Investment Property loan:

• 100% Financing
• 1-4 Units
• 620 FICO on 1-2 Family
• 650 FICO on 1-4 Family
• No Mortgage Insurance Required
• Combined Loans up to 100% LTV
• 100% LTV Cash Out
• Stated Income

The First Time Home Buyer product is available to borrowers who are purchasing a home for the first time.  We have 100% financing available, including programs that avoid paying mortgage insurance.  Cancelled checks are not always required for proof of rental history.  Please contact one of our loan brokers for more information on this product. 

• 100% Financing
• No Money Down
• Owner Occupied Single and Multi-Family Properties
• Full Doc or Stated
• Only 2 open trade lines needed
• Alternative Trade Lines
• No Rent Checks Required
• No Rental Verifications Needed