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While many lenders have limited their scope, we continue to expand our presence across various states, serving borrowers in 45 states, including some of the most dynamic markets like California and Texas. Our expansive reach allows us to understand and adapt to regional nuances, ensuring that our clients in different states receive localized support while still benefiting from our nationwide expertise. Rental Property , Top Mortgage Refinance Companies , Most Professional Mortgage Lender , At AAA LENDINGS, we're your partner for the long term. Our post-closing services are designed to keep you engaged even after your mortgage is secured. We offer ongoing resources, such as home maintenance tips, investment guidance, and periodic mortgage check-ins to ensure your financial goals are on track. Our relationship with you doesn't end at closing; it's an enduring commitment to your financial well-being.
– AAA Lendings Second Loan – AAA Lendings Detail:

Title SL

Overview

Standalone & Piggyback.
Second Loan Only is acceptable.

* Subject property should have a first mortgage.

Program Highlights

15 Years Term.
Other term options（5 yrs, 10yrs, 20yrs, 30yrs).

1) No Prepayment Penalty;
2) Max. CLTV 85%;
3) Min. FICO 680;
4) Max. Loan Amount $250,000;
5) Primary & Second home are eligible.

Income Guideline

★Piggybacks: follow AUS for tax return requirements.
★Standalones: 2 yrs tax returns(business and personal) with all schedules,and Year to Date P&L.

General Guideline

★Max Origination Charge under the QM rule”Max Point & Fee 3%” or “5% for some loan level $0-$20k”

★$1.5MM Max Combined Liens.
★Buy-up is ineligible.
★Buy-down Ratio: 1:2 (0.125 decreased on rate, 0.250 cost to price. Max buy-down 1.000% in rate)
★Base Term: 180 months; (Please see the rate adjustment for other terms)

(1) Max DTI 43%.
(2)Qualifying rate is qualified at initial note rate.
(3)Assets/Funds to Close/Reserves follows first lien requirements.
(4)Mortgage late:0x30x24

Product detail pictures:

– AAA Lendings Second Loan – AAA Lendings detail pictures

Related Product Guide:
Our commitment to transparency goes beyond the initial stages of the mortgage process. We ensure that you have a clear understanding of your mortgage terms, including interest rates, fees, and closing costs. There are no surprises on the closing day. We're dedicated to providing you with straightforward, jargon-free explanations, so you can confidently navigate the financial aspects of your home purchase or refinance. – AAA Lendings Second Loan – AAA Lendings , The product will supply to all over the world, such as: Slovak Republic , panama , French , Our qualified engineering team will usually be prepared to serve you for consultation and feedback. We are able to also deliver you with absolutely free samples to meet your needs. Best efforts might be made to offer you the ideal service and products. For anyone who is interested in our company and items, please make contact with us by sending us emails or contact us right away. In order to know our solutions and organization. ar more, you can come to our factory to determine it. We are going to usually welcome guests from around the globe to our corporation. o create small business relations with us. Please really feel no cost to speak to us for enterprise. nd we believe we are going to share the most effective trading practical experience with all our merchants.
    • The factory technical staff not only have high level of technology, their English level is also very good, this is a great help to technology communication.
    5 Stars By Marian from Nigeria - 2017.10.13 10:47
    The enterprise has a strong capital and competitive power, product is sufficient, reliable, so we have no worries on cooperating with them.
    5 Stars By Marina from The Swiss - 2017.07.07 13:00

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