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Best Mortgage Lenders Of California Offers Mortgage For Foreign Nationals Too

By Expert Author: American Funding

Refinancing your mortgage in Orange County California is easy when you have the advantage of an experienced mortgage lender on your side. We'll make sure that when you are ready to refinance your mortgage loan, you're getting the best mortgage rate and the best deal possible for your needs. Your situation and your mortgage loan are unique to you, so you need a lender that is capable of understanding your unique individual needs. We can help you get the mortgage refinance in Orange County and the whole California that you need, so don't hesitate to get in touch with us at American Select Funding Inc.We make it EASY to get started. Fill out our Quick Quote Form on the right, and we will be glad to help you with all your California Mortgage needs!

The following are some of our niche products which can be utilized for all homeowners and first time home buyer in California:

Mortgage loans for Foreign Nationals /Foreign Investor with no US income and no  green cards

Mortgage loans with ONLY ONE year tax return for income verification

Mortgage loans for individual who did change jobs from being a wage earner (W2 income) to self-employed person (1099 income) other way around

Mortgage loan approval with stated income with 6 month bank statements no need for verifying taxable income

Mortgage loan approval for condo complexes with pending litigation

Mortgage loan up to 95% loan to value ratio With NO mortgage insurance premium ( no PMI)

Also we are ready for HARP3 and HARP4 to accommodate the homeowners with higher loan balances and as soon as congress pass the law
We are at American Select Funding, Inc. specialized in offering real estate loans in California up to $30Mill. In California we do offer a series of niche products in lending industry to facilitate our borrowers and our first time home buyers such as home loans for Foreign Nationals /Foreign Investor with NO US income and NO green card. With this very unique loan program we do offer up to 70% loan to value ratio with a very competitive interest rates. This loan program makes property investment in USA very attractive for foreign investors who are interested to acquire real estate properties in sunny California   due to the low property values in here and still very low interest rate in US market.
Our other very useful mortgage loan program is trailered mostly to self-employed borrowers who did either change their profession or did change the method of their earning from w2 wage earner to 1099 or vice versa. With them we are able to qualify them for their purchase loan or refinancing with ONLY one year tax return rather than two years.

HARP 3 & HARP 4 are new loan programs which are in the process to get passed and approved by congress right now and as soon as they are signed off by congress we are at American Select Funding ready to assist the homeowners. HARP 3: Changes Cut-Off Date from May 31, 2009, which is extended to include homeowners refinancing a primary residence for which the mortgage was the note date is post-May 31, 2009. There are many homeowners with mortgages from 2010 who may benefit from a HARP 3 refinance.
And HARP 4: Allow HARP Loan Sizes Up To $729,750.  HARP 4 should be included in the HARP 3 refinance program is an allowance for "high-balance" loans in designed high-cost area.

When HARP 3 & HARP 4 pass it will help millions of additional U.S. households get access to today's low mortgage rates. HARP 2 made grand improvements over the original Home Affordable Refinance program.

At American Select Funding, Inc. We do also offer very competitive interest rate for multifamily commercial apartment building as well beside the residential mortgage loans. For more info concerning any listed niche products above please contact us directly at 714 639 6694 or complete the loan application online with your detailed info we will get back to you promptly with a tailored solution to your unique situation.

American Select Funding Inc. is offering you best Refinance Rates in California & best mortgage rates. Our best deals make us best mortgage lenders California. We proud to serve FHA Loans California & Loans for veterans with a federally guaranteed VA Home Loans California with minimum or no down payment. For more detail visit our website www.americanselectfunding.com

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