Mann Mortgage, LLC, Full-service Mortgage Broker serving Montana in Missoula, Helena and Butte, and Placentia, California



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BRANCH LOCATIONS:
	Missoula, Montana
	Helena, Montana
	Butte, Montana
	Placentia, California

Non-Conforming Loan Products

There are many individuals who are afraid to "shop around" for a mortgage. They are simply happy that they can buy a house at all. This feeling is magnified if they have real or imaginary "skeletons in the cupboard" in the form of impaired credit history. This might be because they simply forgot to pay one of their utility bills on time and were unaware that this could lead to a County Court Judgment without their knowledge.

Other have had financial difficulties in the past often connected to marital splits, business situations or medical problems and are now model payers. Others may have mortgage arrears but are adopting an attitude that the problem will go away. The answer is that it won't and you would be advised to seek guidance as soon as possible.

For all of the above, mortgages are possible but expert guidance is required. At Mann Mortgage we realize that not every customer is "A" perfect and may not qualify for a regular conforming loan. In fact, many individuals have "not so perfect" credit, poor ratios, or income that can not be verified. This does not disqualify you from being able to obtain a mortgage loan. We are set up with many "non-conforming" lenders, and we will do our best to get you the lowest interest rate possible for your situation.

These types of loans work differently than regular conventional loans in that the loan-to-value and the interest rate are based on the amount of risk the investor has to take in order to approve the loan. There are a few different ways the investors assess the credit risk on each loan, so to find out where you stand, please contact one of our loan representatives and they will be happy to assist you.

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