0 HOME LOANS   THE BEST TERMS ON: 40/30/20/15/10/7/5/3/1 Year Fixed • Prime Minus • Libor • MTA • 1 Yr Treasury Purchase, Refinance, Cash-Out Refinance, 2nd Mtgs & Equity Lines. Interest Only "0" Down programs; "No Cost"  & "Low Cost" programs Fixed, Variable, and Hybrid Reverse Mortgages Loan Amounts from  $250,000 TO $10,000,000+ "A" Paper and "less than perfect" credit Hard Money Loans: Sub 500 Fico scores Owner Occupied and Income Properties up to 4 Units (see Commercial Finance for 5+ units). Self-Employed No Income Documentation CALL ME TO DETERMINE WHICH TYPE OF LOAN IS BEST FOR YOU, AND WHETHER IT IS WORTH IT OR NOT FOR YOU TO PAY DISCOUNT POINTS TO REDUCE YOUR RATE.