LOW RATES
Big Dreams
BUY OR REFINANCE...
your dream home today!
We are there to help you with your mortgage needs. The fastest & simplest way to get the money you need. Unlock new opportunities.
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Loan programs we offer
We are there to help you with your mortgage needs. The fastest & simplest way to get the money you need.
Conventional Loans
KEY FEATURES
- Min. 3% down payment
- Min. 620 credit score
- Competitive interest rates
- Competitive interest rates
- Wide range of down payment and mortgage term options Can be used for primary
- residences, vacation homes, investment properties
FHA Loans
KEY FEATURES
- Min. 3.5% down
- Min. 580 credit score
- Lower loan limits than conventional loans
- Can only be used for primary residences
VA Loans
KEY FEATURES
- Zero down payment required
- Min. 580-620 credit score (varies by lender)
- Ultra-low interest rates
- No loan limits
- Can only be used for primary residences
Individual Taxpayer Identification Number
- Qualify Full Doc or 12-Month Bank Statement for SE
- No Reserves required ≤ 75% LTV
- 2-year income history
- Valid U.S. government issued ID
- 80% Max LTV Purchase
- 80% Max LTV Refinance
- Loan amounts up to $1M
Investor Cash Flow
- Available on SFRs, 2-4 Units, Condos, Townhomes, Condotels, and Non-Warrantable Condos
- Qualify on cash flow – 12 mths reserves required for negative cash flow, Ratio ≤ 1:1, cash-out can be used to cover reserves
- Loan amounts up to $2M
- Non-Owner Occupied only
- No reserves required ≤ 75% LTV
- No income or job verification
- 5yr/7yr ARM & 30-year Fixed
- Reconciled rent estimate based on 1007 or lease agreement
- LPC & Borrower Paid Comp Available (or a combination of the two up to 3 points)
About Us
At Legacy Second Chance Mortgage we help customers achieve their dreams of homeownership by offering a comprehensive and seamless lending experience. By combining advanced technology with the personal touch of our loan specialists, we can tailor the process around the preference and timing of our clients.
Why Choose Us
Legacy Second Chance Mortgage began with the belief that surrounding yourself with good company matters. Our founders understood this and require each team member to live by one simple philosophy…Do Good for our Clients and Community. Not only do we bring competitive rates and pricing, but we also bring care, understanding, and support into the conversation about home financing. Call today and speak to someone who will put you first, get a free consultation today.
How it Works?
We provide excellent mortgage and refinance services to facilitate our client’s needs.
Fill Out The Form
To get started all you have to do is fill out our simple form or give us a call at (806) 370-0067 and share your info with us.
Get Your Mortage Rate
Next, we’ll review your financial information and send you Mortgage Rates Comparison Report.
Last Bits & Steps
Choose when and where to finalize your loan documents. We'll bring everything to you!
Get in touch with us for your mortgage needs
Apply for the best financial products on the market with one, simple Step.
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