Qualifying for a loan can be a challenging task unless you are

familiar with underwriting standards and requirements. Usually

most civilians just fill out the loan application with someone or

some company they do not know anything about directly and take

what they are told they qualify for typically thru an online service

a bank or a direction from a real estate agent to a friend of theirs.

Working with a consultant experienced in underwriting and

financial packaging can help civilians obtain a better loan than

they would get normally. Some of the things that can be

changed with some effort are:

       TRANSACTIONS CAN BE RESTRUCTURED FOR OPTIMAL LOANS

       FICO SCORES CAN BE RAISED          http://www.ficoRaise.com

       BAD CREDIT CAN BE REMOVED OR COMPROMISED  http://www.ficoRaise.com

       ASSETS CAN BE CONVERTED FOR QUALIFYING RESERVES

       UNUSUAL OR OUT OF COUNTRY INCOME CAN BE USED FOR QUALIFYING

       SMALL OR NO DOWN PAYMENTS MAYBE STRUCTURED

       NON TAXABLE INCOME MAY BE VERIFIED

       OUT OF COUNTRY CREDIT CAN BE PROPERLY DOCUMENTED

       STABILITY FOR STATED INCOME CAN BE ESTABLISHED

       PMI CAN BE AVOIDED

       LOAN PACKAGES CAN BE RESTRUCTURED FOR OPTIMAL LOANS
                http://www.ficoRaise.com

I OFFER A WIDE VARIETY OF LOAN PROGRAMS, FINANCIAL PACKAGING EXPERTISE.

COMMERCIAL LOANS
1STs, 2NDs, 3RDs FOR PURCHASE, EQUITY OR REFINANCE

CONSTRUCTION LOANS
COMMERCIAL & RESIDENTIAL

RESIDENTIAL LOANS
(1STs, 2NDs, 3RDs FOR: PURCHASE, REFINANCE, LINE OF CREDIT OR
HOME IMPROVEMENT) FOR SFRs, PUDs, CONDOs, CO-OPs & UNITs

CONVENTIONAL FIXED RATE
CONVENTIONAL FIXED/ADJUSTABLE
CONVENTIONAL ADJUSTABLE
CONVENTIONAL SPECIAL PAYMENT PLAN
CONVENTIONAL INTEREST ONLY
CONVENTIONAL COMBO (1ST & 2ND)
CONVENTIONAL REVERSE MORTGAGES
FHA
FHA REVERSE MORTGAGES
VA

Fees:
I offer"Regular - Actual Cost Fees", "Limited Fee"
and "No Fee" Programs.

Rates:
Rates & Programs for "A" thru "D" Rated Borrowers & Properties are available.
Please check with me to determine the Best Rate for your Loan Selection, Property

Type & Borrowers Situation and how that Rate can be bettered with Diagnostic

Evaluation and Detailed Loan Packaging              http://www.ficoRaise.com

ALAN PIERCE

LOAN CONSULTANT - LOAN OFFICER - LOAN AGENT

Experience & Qualifications

· Highly Experienced in Real Estate & Real Estate Finance
· Licensed to do transactions throughout the state of California.
· Provides Mortgage Loan services throughout the United States
· Received Formal Law School Legal Contracts Training
· Trained hundreds of Real Estate & Mortgage Loan Agents in Financing
· A Published Real Estate Mortgage & Finance Columnist and Author
· A Guest Speaker for the National Realtors Convention
· A Favored Consultant for Attorneys, R.E. Brokers & Mortgage Co. Owners.
· Quoted as Expert in Business Publication Features

· Credit and Underwriting Strategist                http://www.ficoRaise.com

Education

· Institutions: LBCC, OCC, GWC, SBC, University of Arizona,

    American College of Law & University Programs Real Estate Division
· Also attended numerous specialized seminars & courses in R.E. and Finance

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All content ©2005 by Alan Pierce unless otherwise noted.