Oxford Capital Mortgage

USDA Program:



100% LTV Financing
GUS AUS and Manual Underwrites
6% Seller Concessions Allowed
Down to 620 Score
Single and Double Wide Manufactures Homes

Investment Property 2nd mortgages-HELOANS

Contact us today for details

VA Lending- No Fico Score Loan

VOR/Rent Free for 24 months

Max DTI of 41%
3 Alternative Tradelines
120% of residual

It's thank easy.
Call the team at OCM today to see how we can make the dream of homeownership a reality....

DSCR Programs:

Scores down to 620
Short Term and Long-Term Rentals
Interest Only
40 Year Fixed Terms
DSCR down to ZERO
First Time Investors
Foreign Nationals
Close in LLC/Business or Individual Name
Loan amounts from $100K-$3.5 Million
Condotels
Transfer Appraisals Accepted

DSCR Solutions to fit everyones needs...

Loan amounts from $100,000 to $3.5 million

DSCR >=1.0; LTV to 80%

DSCR < 1.0; LTV to 75%

FICOs to 640

Available for purchases, rate-term or cash-out refinance - condotels are eligible

Prepayment penalty options to help manage cashflow* (where allowed)

Can close in an LLC

Estimated short-term rental income allowed via AirDNA

Payment Assistance Loans are SOARING with the REMOVAL of AMI LIMITS!
Borrowers with all income types can take advantage of the DPA Program!

DPA Program:
100% FHA CLTV Financing
Forgivable and Repayable Options
Down to 580 Credit Score
1-4 Unit Properties
Manufactured Housing

DSCR Programs:

Scores down to 620
Close in LLC or Individual Name
DSCR down to ZERO
Foreign Nationals
Loans Sizes from $100K-$3 Million
40 Year Fixed and I/O (Use I/O Payment for DSCR)
Contact us today for details....

VA Program:

Scores down to 580, Including Manual Underwrites

No Fico Score

Manufactured Homes

Loan sizes from $50K-$2.5 Million: 100% LTV!

Unlimited Seller Help

Non-Spouse Co Borrowers

100% LTV 1-4 Family

Fast Turn Times

Contact us for details today....

It’s turning into Rehab Season and we have options Embrace the season with options :

Up to 90% LTC/ 70% LTV

Up to 85% LTC/ 75% LTV

Self-funded option available

Partial Budget Holdback option available

No experience required

Multifamily allowed

In-House Construction Management & Draw

No Prepayment Penalties

No interest reserves

DSCR down to ZERO
Loan amounts from $100K-$3.5 Million
Scores down to 620Foreign Nationals
Close in LLC
Short Term Rentals
Condotels
2 years out of BK Foreclosures
Cash out as reserves

Rehab Loans Lending Made Easy

Up to 90% LTC

100% Rehab Funding

Up to 75% LTV

Loan Amts Up to $3M

Credit Scores as low as 660

Up to 90% LTC

VA Program Highlights:



Down to a cool 580 Score, Manuals included!

No Fico Scores

Yes to Manufactured Homes

In or fresh out of Chapter 13 BK? No problem!

100% LTV up to 2.5 million

Non-Spouse Co Borrowers get a nod

Call today for details...

DSCR down to ZERO
Scores for under 1% DSCR down to 660
Close in 42 states
Close in LLC or Personal Name
Transfer Appraisals Accepted
Short Term Rentals
Condotels
Non-Warrantable Condos
2 years out of BK/FC
Foreign National Program
GREAT TURN TIMES., CONTACT US TODAY...

DSCR Program:

No Personal Income Documentation

Scores down to 620

Close in the name of an LLC or Business

Originate in 42 States

No Limit on financed properties

Great Rates

Fast Turn Times

Contact us today for details...

The downward trend has started...Rates are on a Downward Trend, but Remain Volatile

Rates have fallen significantly from their decades-high ceiling in October and appear to be on a downward trend. However, rates are expected to remain volatile and responsive to emerging economic data.

FHA Loan Options that will make it easy

Scores down to 580, Standard and High Balance

Manual Underwrites

No Fico Score

Manufactured Housing

Down Payment Assistance Loans

Gift funds OK for Down Payment and Closing Costs

Mixed Use

Fast closing

Qualify Non-QM borrowers with 1099 statements in lieu of tax returns and W-2 statements. This is great for self-employed* borrowers such as contractors and freelancers who may have difficulty qualifying for Agency loan options.

A lot can happen in a day. In your case, it was a same-day approval.

Congratulations Maureen Davis and Oxford Capital! The loan was set up and approved on October 30, 2023.

Another 1 day APPROVAL ..AMAZING work team Oxford Capital Mortgage.
BIG shout out to Maureen Davis, way to go...

Oxford Capital Mortgage has you covered with a versatile option to replace No Ratio loans. Our Lite Doc product bridges the gap for borrowers who are self-employed, have variable income, or have difficult-to-document income.

Here's a few benefits of Lite Doc:
1. Limited income documentation
2. No W2s or tax returns
3. No reserves
4. No restrictions on property type
5. Cash out up to 80% LTV

Request a call with a OCM expert to learn more and discuss a specific loan scenario.

FHA No Fico Score Loans

FHA allows borrowers that have No Fico Scores

These are borrowers that come back “NA” on the credit report

These are FHA Manual Underwrites, so you will need



VOR or rent free from family for the last 12 months

1 month PITI in reserves from the borrower’s own funds

3 Alt Trades (Rent can be used as one)

31/43 Ratios, you cannot exceed these ratios

Loan must also meet all other FHA Manual Underwriting Guides

Contact our experts for details...

Nicholas Castronova on LinkedIn: FHFA rescinds controversial DTI-based fees - Scotsman Guide Great news for home buyers…

Check out the advantages of buy vs. rent today.
As one of our experts for details.

First time home buyers need all the tools possible to be successful. Let us help you navigate the process of the home buying journey.
With programs such as 1% down, DPA and many more we can take the stress away as they navigate the journey.
Ask your friends at OCM for details.

We can help you navigate the season of change.
Ask your friends at OCM how we can help.

Mortgage solutions to fit your needs weather its refinance or purchase, OCM has can guide you.

Residential Investment and Commercial Properties

1-4 unit non owner occupied residential properties
Multifamily, mixed use, office, retail, warehouse, self storage, automotive
30 year fixed and short term rehab options (rehab for resi deals only)
Up to 75% ltv (purchase) and 70% (refinance)
No DTI or DSCR requirements. Only DSCR requirements for commercial loans over $500k
No Seasoning of down payment funds

Home ownership has never been easier, buy your dream home with just 1% down payment.
Ask your friends at OCM how they can help make your dream a reality.

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