COASTALREALESTATEGUIDE . COM MARCH 17 , 2023
In a competitive market , you need options
In today ’ s unique market you need a trusted advisor . With 25 years of experience , I will take the time to understand your specific needs and tailor a financing solution that is right for you . Call me today for a complimentary analysis .
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Debt to Income ( DTI ) ratios up to 60 % 10.1 % Down Payment up to $ 2.5M purchase price with no PMI Mortgage Loans up to $ 10,000,000 Interest Only Financing Available Primary Home , Vacation Home , or Investment Property
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Michael Kopernik Mortgage Banker , NMLS # 86135 ( 949 ) 306-3441 michael . kopernik @ bankofthewest . com bankofthewest . com / mortgage / mkopernik
1 . All loans subject to credit approval , standard mortgage qualifications , and underwriting requirements . Additional fees , conditions , and restrictions may apply . Terms and conditions are subject to change without notice . 2 . Debt to income ratios up to 60 % require qualifying residual income and liquidity / reserve requirements . 3 . 10.1 % Down Payment is a piggyback Home Equity Line of Credit that is combined with a first mortgage for up to 9.9 % of the property value for a maximum combined LTV of 89.9 %. 4 . Maximum loan / line amounts are subject to credit score , property type , occupancy and Combined Loan-to-Value ( CLTV ) limitations . 5 . Interest-only payment mortgages provide for interest only payments for a set period of time followed by fully amortizing payments of principal and interest for the remainder of the loan term . Contact a mortgage banker for details .
© 2023 BMO Harris Bank N . A . | Member FDIC | NMLS # 401052 | Equal Housing Lender .
A real estate experience that ’ s more than just a transaction .
Experience Sets Us Apart
The Gary Boisen Group has an unmatched level of service that is marked by proven results . Our experience comes from years of working closely with our clients preparing their homes for sale and successfully closing escrow . Our hands-on approach , attention to detail and strong communication skills are central to our core beliefs .
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949.274.2236 Realtor ® | DRE 01332242
Compass is a real estate broker licensed by the State of California and abides by Equal Housing Opportunity laws . All material presented herein is intended for informational purposes only and is compiled from sources deemed reliable but has not been verified . Changes in price , condition , sale or withdrawal may be made without notice . No statement is made as to the accuracy of any description . All measurements and square footage are approximate . If your property is currently listed for sale this is not a solicitation .