Alternative Loans

80/10/10

  • Avoid Jumbo rates with an 80/10/10
  • 10% down
  • Up to $350,000 second
  • NO Pre payment penalties

Private Money

  • Bankruptcy OK
  • Foreclosure OK
  • Bad Credit OK
  • NO Minimum Credit Score
  • 1st Time Homebuyer OK
  • Overdrafts OK
  • As little as 20% down

Investor Program

  • NO Income Documents
  • NO Tax Returns
  • NO W2’s or 1099’s
  • NO Paystubs
  • As little as 20% Down

Bank Statement Program

  • Income = Monthly Average Deposits
  • 12 or 24 Months Bank Statements
  • 620 Middle Credit Score
  • 1st Time Homebuyer OK
  • Overdrafts OK
  • Up to 55% DTI
  • As little as 10% down
  • Business and Personal Bank Statements
  • Cash out Refinance to 1 Million

Foreign National Program

  • NO credit score required
  • Up to 90% LTV
  • ITIN Numbers
  • $150k to $2.5 million
  • Fewer restrictions
  • No foreign tax return
  • Primary residence, second homes + investment properties
  • NO SSN required
  • SFRs, PUDs, condos, 2-4 units
  • NO pre-payment penalties

*Investment qualification is subject to DSCR.
**Subject to change.

Application Visa Documents**

  • NAFTA
  • NAFTA
  • NATO
  • L-1
  • 0-1-R
  • B-1, B-2
  • E-1, E-2, E-3
  • EB-5
  • G-1 TO G-5
  • H-1

Harris Mortgage - Salinas Office
422 Salinas Street
Salinas, CA 93901
Office: (831) 769-9400
Fax: (831) 769-9470

NMLS License #353363
DRE #01279430

Harris Mortgage - Visalia Office
827 W. Center Ave, Suite A
Visalia, CA 93291
Office: (559) 500-6469
Fax: (559) 862-4143

Marcell Harris, President/Loan Originator
DRE #01499586 / NMLS #235398
Cell: (831) 809-4347
marcell112@yahoo.com

Isabel Morales, Executive Assistant
Cell: (831) 809-2343
morales.isabel@yahoo.com