WE FIND MONEY FOR YOU "The Mortgage Gal"

The Mortgage Gal Can Connect You to the Financing Needed

As Part of Sunrise Financial a Illinois Licensee

Are you being Stangled by Debt and Need Help Lets Talk About Your Options!

Ask the Mortgage Gal

What can you do to stop your home from entering into "Foreclosure", How Can I protect myself from Liens High Debts and other?

I am a Rehabber and need a "Construction Loan" Can you help me? My Credit score is so-so - From Tony - Chicago

Looking to get a mortgage but I am not from the US I am from Mexico, and don't have all my papers can I buy property? Luis Lopez - Illinois


I am looking to refinance and I just lost my job can I get any money out from my home to help save my home until I get another job? Cathy From - Indiana

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HISTORY OF HOUSING PURCHASES FOR THE MINORITY COMMUNITY IN THE CHICAGOLAND AREA

The African-American and Hispanic/Latino communities Insights into the Minority Home buying Experience: the Mortgage Application Process summarizes Reed Haldy McIntosh’s findings. The results will be incorporated into a broad-based telephone survey that will explore differences in how minority and non-minority families look for mortgage credit.


Four sessions were held in Chicago, Illinois, in early 2003. High- and middle-income households that recently applied for a home mortgage were brought together to discuss their experiences. Participants from both communities identified the lack of experience and knowledge about mortgage loans, credit and the mortgage application process as the major barrier to obtaining home mortgages. Not surprisingly,
a recurrent theme in their search process was the desire to find hands-on help to bridge the gap.> CLICK HERE TO READ THE FULL REPORT ISSUE ON THE CHICAGOLAND AREA

OTHER FACTORS ON THE HISPANIC POPULATION

Many Hispanic's who have enter the lending institutions, are being met by eager to grant loan officers who are seeking to grant them loans with meager requirements which are as follows: They can prove they have been in the country, worked and paid taxes for at least two years.




Nearly a decade ago, the IRS began giving out individual tax identification numbers (ITINs) so that people without Social Security numbers could pay taxes. They know that illegal immigrants are using the numbers to get mortgages. A spokesperson says, "We don't have control over whatever the taxpayers do with the numbers other than filing a tax return."

So now hundreds of illegal aliens in Texas and parts of the Midwest are buying homes using special lending programs that bypass the need for a Social Security number.

The home loan door is open. Real estate agents are taking advantage of a huge untapped market. And mortgage lenders are designing programs aimed at illegal aliens.



Here is a explain of a program available which many have little information of, in addition there are many programs which can help Blacks as well to enter into the mortgage market, with little and or no credit scores. In most cases as long as the property has a sale price of $100k there are various products available.






In the past, I was involved in a program Called No Riba which created a venue whereby those within the Muslim Community could obtain homes based on the She'ria which goes as follows:

Once the qualification process is completed, we will prequalify the client issuing a letter of intent to purchase. This document will explain the pre qualified amount for purchase our clients will be eligible for in order for to complete the home purchase. Prior to finalizing the closing on the intended property of purchase, our clients are required to sign the installment sales contract (AL-QARD al HASSAN.) This contract states the purchase price and the payment period duration. NO RIBA A Direct Deposit Authorization Form is also needed to complete the process. This is required becauseis the risk bearer. If the Buyer is paid through a payroll check or is self employed, a direct deposit authorization form must be filled out and submitted after program approval has been established.

It is our goal at to place our clients into "The Program" so they may realize their dream of home ownership in the United States without being burdened with potential Haram, most importantly, RIBA. Shari'ah compliance is our objective. Upon program approval, the next step is to qualify the property. This process is done through an appraisal of the home. With both approval's in place and the installment sales contract signed,completes the closing and the keys are handed over to the client.

10 and 15 year loan programs for any amount.





This Program offers 10 and 15 year loan programs designed to accomodate the individual needs of each client. A comparable price index is available for each program which will show our clients the difference in their monthly payments as the two programs are compared.

THE PROBLEM

O CREDIT
O DOWN PAYMENT

O DEBT TO INCOME

O HAVING PRODUCTS WHICH FIT THE NEEDS OF BORROWERS
NO MATTER WHO THEY ARE.

O SPECIALITY FINANCE FOR MINORITIES, REFINANCIAL ASSISTANCE
FOR THOSE FACED WITH BANKRUPTCY AND FORECLOSURES

O PRODUCTS FOR HISPANIC'S WHO DO NOT HAVE FULL DOCUMENTATION

O NEED FOR CREATIVE FINANCE IN MANY CASES

SOLUTION

Ask the Mortgage Gal and let her location the Mortgage Product you need, whether is a simple "A-B" Credit Loan, or you need something more creative let her research the market for the product that most closely matches your needs. If you are facing bankruptcy due to too much debt and your home is included call us and lets see what can be done prior to getting into bankruptcy and your options if your in one.

Business Owners looking for invetment dollars lets see if you can finance your home to use for Business Development Capital.

And for the builder we can look into many products and services others may not have knowledge of, if there is a plain out there we can find if it exist. So call me as asap as you need a Loan and lets get the money you need.

LOCATING FINANCIAL PRODUCTS MEETING THE NEEDS OF BORROWERS
DEVELOPING A MEANS WHEREBY REHABBER, DEVELOPERS, AND OTHERS CAN

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For more information call us today at 847-594-1620 or e-mail themortgagegal@yahoo.com

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