Jasmen Vartanian Tel: 818-952-2701 Email: Jasmen@calstarinc.com www.calstarmortgage.com Excellent Service since 1987 1033 Foothill Blvd. La Canada Flintridge, CA 91010 Your Purchase Specialist, call or email me for all Financing Questions!

Call or Email me for all Financing Questions!

CalStar Mortgage Inc. For All Your Financing Needs…

1.3 Months Personal Bank

Statement

2.Supporting "lifestyle of income

on P &L"

3.Certified Profit & Loss income

4.CPA Letter verifying self-

employment

3 Months Hard Money

Alternative

3% Down Payment

97% LTV Conventional Loans • Low Down Payment as little as 3% • Fixed Rate Loans with Terms Up to 30 years • Down Payment Assistance Allowed • Reserves May be Able to Come from Eligible Gifts • At least one borrower must be a first time home buyer • One-unit principal residence

CalStar Mortgage Inc. Offers a 3% down conventional mortgage option for your borrowers. A down payment can be a serious obstacle to buying a home for many borrowers. CalStar Mortgage Inc. wants to help your borrowers who otherwise qualify for a mortgage get that home, even when they may not be able to come up with a larger down payment.

10% Down JUMBO FINANCING, NO PMI!!!

• 1 Loan no MI • Up to 1.5M • Purchase & Rate and Term • Gift Funds - Ok

80/10/10 IS BACK!!!

10% Down payment (720+FICO) SFR, Condo, PUD

15% Down (680+FICO) 2nd Home, 2-4 units

NON-OWNER/INVESTMENT: 25% Down

(680+FICO) SFR, Condo, PUD

A MINUS PROGRAM

One year after foreclosure & short sale No TAX returns required

1 Year after Short Sale, Foreclosure, BK and Loan Mod JUMBO NOO Cash-Out No Seasoning on Cash-Out No limit Cash-Out

When one Door Closes, CalStar Mortgage Unlocks Another

A History of Bankruptcy or Foreclosure is NO Problem

CalStar Mortgage's Home Key credit event product is designed for borrowers who have suffered a mortgage credit event such as a bankruptcy, foreclosure, or short sale, and who do not currently meet agency guidelines but demonstrate willingness to grow as a homeowner.

WE CAN HELP YOU!!

3 MONTHS BANK STATEMENTS

(PROGRAM 1700-3BS)

• 70% MAX LTV to $1MM

• Max loan amount: $2MM at 60% LTV with

700 MIN FICO

• Available: Purchase, Rate/Term, & Cash-Out

• Cash-Out to $400,000

• 5/1, 7/1 Available

• Property Types: Owner, 2nd Home, SFR,

PUD

RATES STARTING AT 4.50%

• 700 MIN FICO

• 70% MAX LTV/CLTV

• NO 4506-T Required

Loans For Apartments, Office Buildings, Retail Stores, Industrial Properties and More...!

Commercial Loan Highlights Contact CalStar Mortgage Conventional Bank Loans and Direct Stated Income Loans Nationwide, California Hard Money 150K to 25MM and Jumbo Hard Money Loans 1 Million to 25 Million.

Direct Stated Income! 30 Year Fully Amortized • Commercial to 30% Down • Rental 1-4 SFR to 30% Down • Small Business Loans to 10% Down

PUT YOUR INVESTMENT BACK IN YOUR POCKET!

Did you recently purchase a home without financing? Are you looking to put that money back into savings?

Call us today to refinance!

• Refinance immediately after purchase • Regain your investment

• Close your loan in 30 days or less!

Verification of employment Only to 10% Down

No Tax Returns 720 Fico NO MI option 600 Fico to 75% LTV $2.5MM max loan amount NO limit on cash out Reduced Doc for self employed to 85% LTV with NO MI

Restriction apply. Rates & terms are subject to change without notice.

WE WANT YOUR BUSINESS!

Product Update: Effective Date for Reduced Annual MIP Announced The 0.50% annual MI premium reduction effective for case number assigned on or after January 26, 2015.

Does Your Lender Make ? Did you know that 29% of the country has a credit score below 620? If you're turning these buyers away, you may be overlooking a huge client and revenue.

FHA Requirements for borrowers with under a 620 credit score: 580-619 credit score = 3.5% down payment 500-579 credit score = 10% down payment 12-month verification of rent or budget letter

To Pre-Qualify all your FHA Buyers or any Programs Questions...Call Me Today!

500 580

For the past 24 years, Calstar Mortgage has established itself as one of the prominent financial firms dedicated to Multi-Family, Commercial, and SBA Loans.

Our Program Highlights: Multi-Family Purchase/Refinance Commercial Loans Multi-Family/Commercial

Call me for Today’s Rates No appraisal, No Title,

No Escrow Loans!! Unlimited cash

Purchase & Refinance

• Use seller contributions to eliminate monthly mortgage insurance

• Down payment as low as 5% • 100% gift for down payment accepted • Empower your clients to qualify for more

home

Set yourself a part as an industry leader! Maximize your profits and reduce the buyer's monthly payment!

Give your buyers the Ultimate Advantage!

We Offer Jumbo loans that are

better than ever!

CalStar Expanded Jumbo:

Up to $3M with 30% down and 720 credit score, $2.5M on second homes

20% down to $2M with 720 credit score 2-4 units allowed on primary Residence up to max LTV/Loan

Amount offered on SFR with restrictions. Cash-out transactions to $2.5M with $750K cash out borrower 1 appraisal up to $1.5M Non Occupant Co-Borrowers are allowed

Call today for free consultation & pre-approval letters Your Purchase specialist always at your service. Any time!

Highlights: • 15 and 30 Yr Fixed Products • Loan Amounts up to 3,000,000 • 15% Down & ZERO M.I • Primary and Second Home. Investment & First Time

Buyers • Purchase, Refinance and Cash-Out • 700+ Fico

Call today for free consultation & pre-approval letters!!

Call us and ask how appraisal orders can close in less

than 8 days from submission.

PAY ADVANTAGE

Take advantage of the great pricing on our new Jumbo ARMs!!!

Program Features: • 5/1 & 7/1 ARMs • Up to $2,500,000 max loan amount • For borrowers with excellent credit • Delayed Financing allowed and treated as Rate &

Term • Purchases & Refinances (cash-out to $300,000) • Second Homes allowed

CALL TODAY FOR FREE CONSULTATION & PRE-APPROVAL

LETTERS!!

FHA: • Purchase, Rate/Term Refinance and Cash Out • High Balance with 620 Credit Score • Cash Out with a 620 Credit Score • Credit Scores down to 580 - Purchase & Rate/Term Refinance • First Time Home Buyer Programs - No Score Borrowers Allowed • Streamlines Down to 580 with no AVM • Manufactured Purchase, Rate/Term Refinance & Cash Out

VA: • 100% Purchase including High Balance/Jumbo • IRRRLS DOWN to a 580 Credit Score

Call Today For Free Consultation & Pre-Approval Letters!!

Small Business Administration (SBA) Loans THERE'S AN SBA LOAN FOR ALMOST ANY BUSINESS NEED.

BA Express Loans Flexible financing for a multitude of business needs. If you're looking for working capital up to $100,000 consider the cash flow Manager Line of Credit, which can be part of the SBA Express program. The benefits are significant, including the ability to apply online and borrow against the line on a needed basis.

SBA Express Loans (from $100,000 to $350,000) This SBA loan program offers term loans and line of credit options. Proceeds may be used for financing business acquisition, equipment and debt refinance.

Business Ownership and Expansion loan from $250,000 to $5 Million If you're interested in acquiring or expanding a business, two types of SBA loan programs are available. Both are designed for business with smaller borrowing needs.

• Up to $5 million for the SBA 7(a) Business loans • Up to 90% financing • Loans up to $11.25 Million • Terms up to 25 years

• Fixed and variable rate options • No balloon payments • Most for-profit small business are eligible • SBA loans originated at U.S Bank are serviced by U.S Bank,

ensuring personalized service

We Open for you the Doors to More Options With:

Niche Loan Products: • 80% LTV to $750K with 580 FICO - Non-Prime Foreclosure/Short sale 2+ Yrs & 24

Months Bank Statements. • 80% LTV to $750K with 580 FICO - Non-Prime 1 Out of Foreclosure & 24 Months Bank

Statements. • 80% LTV to $850K with 660 FICO - Early Access 3 Years Out of Foreclosure (2600-EA)

• 65% LTV to $1.5MM with 680 FICO - Foreign Nationals - Traditional Documentation (100-FN)

• 70% LTV to $1MM with 700 FICO - 3 Months Bank Statements (1700-3BS)

• 75% LTV to $500K with 680 FICO - Investor No Income Verified (100-INV)

• 80% LTV to $625,500K with 680 FICO - 12 Months Bank Statements (100-12BS)

• 75% LTV to $1MM with 620 FICO - Rental Income to Qualify (2200-INV)

• Apartment Lending with 5+ units up to $10MM • 60% LTV Mixed use property financing for commercial and residential properties • Entity Vesting on certain programs - LLCs, Partnerships, Corporations, Sub S Corps & all

types of trusts

Traditional Conforming, Government, and Jumbo Programs

• All Conventional and High Balance Conforming programs (up to 10 properties financed) • Non-Owner Occupied 85% LTV up to $417,000 - SFR/Condo • 95% LTV Conventional Conforming loan - 3% gift funds from family - 720 FICO • 95% LTV with 660 FICO with no MI option • Jumbo - 80% LTV to $2MM - 10/1, 7/1, 5/1 - fully amortized ARM's with interest only

option • HARP 2.0 with No LTV limitations on Owner and Non-Owner Occupied loans

More Options…

Jasmen Vartanian Tel: 818-952-2701 Email: Jasmen@calstarinc.com www.calstarmortgage.com Excellent Service since 1987 1033 Foothill Blvd. La Canada Flintridge, CA 91010 Your Purchase Specialist, call or email me for all Financing Questions!

Call or Email me for all Financing Questions!

CalStar Mortgage Inc. For All Your Financing Needs…