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First home buyer program

Picture a Future Where Your Dream Home is Within Reach

Lilly Zaiter

Mortgage Broker

Lilly Zaiter Mortgage Broker

NMLS 189622

Why settle for less when you can have the best? Lilly Zaiter, your trusted partner in home buying.

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I recognize the significance of selecting the perfect home loan.

It's a decision that can shape your financial future and bring your homeownership dreams to life. As your committed mortgage broker,

I am dedicated to putting in relentless effort to offer you customized loan solutions that perfectly align with your financial objectives.Allow me to alleviate the burden of the home loan process. From navigating complex paperwork to finding competitive interest rates, my goal is to make the journey as smooth and stress-free as possible. With my expertise and personalized approach, you can be confident that you are making informed decisions that benefit your future. Let's work together to secure the home loan that truly meets your needs.

Discover the Ideal Home Loan with Ease

About
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Program Highlights

NEW CONSTRUCTION

​SFR Ground-Up, Construction​

  • Up to 85% LTC and 70% LTV

  • Contact your rep for current rates

  • Loans up to $3MM

  • Simple in-house construction

  • Management,

  • Inspections, & servicing

  • Fast, common-sense underwriting

  • Non-recourse available

FIX-N-FLIP

Distressed Properties Banks

Won't Finance

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  • Up to 90% LTC and 75% LTV

  • Contact your rep for current rates

  • Loans up to $3MM

  • Non-recourse available

  • Close in as few as 10 days

  • 13-month standard term

MULTIFAMILY

Value-Add & Stabilized Properties

  • Up to 85% LTC

  • Contact your rep for current rates

  • Non-recourse

  • Loans up to $12MM

  • Fast due diligence and closing

  • Amortized & interest-only options

RENTAL

Single Loans And Portfolios​​

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  • Up to 80% LTV, purchase & 75% cash-out

  • Non -recourse available

  • 5& 10-year ARM options

  • 30-Year fixed or I/o

  • Loans $75K - $20MM

  • Contact your rep for current rates

Delivering The Top Home Loan Packages To Meet Your Needs

Buying our own home

FIRST TIME HOME BUYER

The minimum down payment for an FHA loan is contingent upon your credit score. A credit score of 580 or above necessitates a minimum down payment of 3.5%. VA loans are zero-down-payment loans available to borrowers with a military affiliation. USDA loans provide financing for rural properties with no down payment required. 

CONVENTIONAL LOAN

CONVENTIONAL LOAN 

A credit score of at least 640 is typically required to qualify for a conventional loan, and a higher score will facilitate obtaining the most favorable rate. With a conventional loan, you may be eligible for a down payment as low as 3% depending on your financial situation and the loan amount.

VA LOANS

VA LOANS

The Department of Veterans Affairs (VA) loans offer fixed-rate and adjustable-rate financing for primary residences to veterans and other eligible borrowers under the VA program. Permit closing costs to be covered by a gift or grant. 

In Today's Volatile Market, You Can't Afford To Make Mistakes

I am committed to going above and beyond to provide you with tailored loan solutions that perfectly align with your unique financial goals and circumstances.

We Work With You.Check Out Our Loan Options. 

STARTING ON $250,000.00UP TO $10,000,000.00 RESIDENTIAL, COMMERCIAL AND REHAB LOANS

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1-LAND LOANS AVAILABLE

2-FOREIGN NATIONALS

3-COMMERCIAL LOANS

INVESTOR CASH FLOW

1-UP TO 80%LTV

2-CREDIT SCORE (680)MIN

3-UP TO $2 M MIN $75K

1-DSCR 80%. 1.00-1.25 RATIO

2- CONDOTELS 75%

3- WARRANTABLE Y NON WARRANTABLE CONDO

4- FOREIGN NATIONALS  70%

5-12/24 BANK STATEMENTS ONLY 85%

6-VOE ONLY

7-1099 ONLY

1-CONVENTIONAL

2-FHA AND VA DOWN TO

(550) SCORES

3- RENOVATION PRODUCTS, ON ALL PRODUCTS

3 DIFFERENT JUMBO PRODUCTS, NQ, BANK STATEMENTS, AND DSCR, REVERSE MORTGAGE. QUICK PRICE AND 24/7 BREEZE PORTAL TO RUN BOTH DU AND LP AT ONCE. SUBMIT ONLINE WITH 24-48 TURN TIMES.

1-NEW CONSTRUCTION UP TO 85% LTC AND 70% LTV

2-MULTIFAMILY UP

TO 85% LTC

3-FIX AND FLIP UP TO 90% LTC AND 75% LTV

HELOC

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• MAXIMUM CL TV 89.99%

• MINIMUM FICO SCORE (680)

NON-QM

ITIN/P&L

1-75%-85% LIV PURCHASE

2- 70%-75% LTV CASH-OUT

VACANT LAND LENDING

1- COMMERCIAL, ZONED INDUSTRIAL

2-DEVELOPMENT SITES

1 YEAR PROFIT AND LOSS

FHA-VA (500 FICO SCORE)

BORROWERS WHO RECENTLY STABLISHED SCORES (620)

PRIME ADVANTAGE (NO TAX RETURNS) DSCR

1-FLX AND FLIP PROGRAM/ SINGLE FAMILY (TERM 12-18 MONTHS, LOAN AMOUNT $5OK UP TO $7.5M,

FICO SCORE (620 MIN) 85% LTV

2-FIX AND FLIP PROGRAM/

MULTI-FAMILY

(80%-70%-60%)

3- NEW CONSTRUCTION/

SINGLE FAMILY

(TERM 12-24 MONTHS, LOAN AMOUNT $100K-$2M, CREDIT SCORE: (650) MIN)

4- BRIDGE PROGRAM

75% UP TO 80% LTV

Melissa, Rordriguez 

I am absolutely thrilled with my new home; Lilly truly exceeded all expectations to help me secure the house I've always dreamed of.
 

Juan, Rivera

"A great testimonial can boost your brand’s image. Click to edit and add your own."
I am extremely pleased to have worked with Lilly. She assisted us in purchasing our first home, and the process was incredibly quick and smooth. 

Angela, Paulino

I believed I would never be able to own a home because of my credit, but Lilly turned my dream into a reality. I am now a homeowner. 
Contact

Take The Leap of Faith 

Feeling overwhelmed by your options? Lilly Zaiter removes the guesswork, ensuring you make the best choice.

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