Real Estate Investor Loans

Katz Mortgage Team, backed by Home Town Mortgage, offers just about every type of available investor financing to make your real estate projects even more profitable. We handle all these transactions in house so that your deals close smoothly, and on time.

High Loan-to-Value: Requiring zero down payment with good credit, we offer programs that can conserve your money and help you keep your cash for future real estate projects.

Piggy-back Loans: By coupling a first mortgage and second mortgage together, such as 80/20's, we are able to offer loan-to-values above 80% with no mortgage insurance.

Fixed Rate & Adjustable: We offer a wide variety of fixed rate and adjustable Investor mortgages with fixed periods ranging from one month to ten years.

Interest Only Loans: For investors who want improved cash flow, we offer a variety of Interest Only programs. These offer the lowest monthly payments.

No Seasoning Requirement: We have programs that allow you to take advantage of your properties full-appraised value, even if you have owned it for only a short time.

No Closing Costs: On some of our Investor programs we offer a Zero Closing Cost option. Eligibility depends on loan amount, loan-to-value, and type of loan.

Cash-out Investor Refinances: Many investors choose to pull cash out of their investor properties for other real estate projects.

Stated Income Programs: We have loans that do not require verification of income, excellent for the self-employed investor who has a complex financial situation.

No Income/No Asset: These Investor programs do not require verification of either assets or income. These programs rely exclusively on credit and loan-to-value.

Cross-Collateralization: We can show you how to use the equity in your primary residence to help get the best deal and lowest borrowing costs on your investor properties.

Automated Underwriting: We use both the Fannie Mae and Freddie Mac automated systems to allow for maximum underwriting flexibility.

Multi-Family: We offer investor financing on Duplexes, Triplexes, and Quad-plexes, as well as single family, condos, and fee-simple town homes.

Resident Aliens: We offer investor programs to lawful resident aliens meeting all the same credit standards as U.S. Citizens.