Liberty Mortgage, Inc.

When you get a loan against the equity in your home, that is
considered an owner occupied refinance.

Owner Occupied Purchase
3% down Must be borrower's funds No income resrictions	5% Down Owner Occupied or 2nd Home Must be borrower's funds
100% Financing 80% 1st Mortgage w/ 20% Gift 80% 1st Mortgage w/ 20% Seller or lender 2nd mortgage	5% Down w/ 2 Year Buydown Ex Note Rate = 8% 1st Year Rate = 6% 2nd Year Rate = 7% 3rd Year to Maturity Rate = 8% Qualify at 1st Year Rate
5% Down No Income Disclosed 6 mo. payment reserved after closing cost	5% Down - 7 Year Balloon Good loan for those moving up in a few years. Lower rate than 30 year fixed
5% Down - Stated Income 75% 1st Mortgage w/ 20% 2nd More flexible than No Income Disclosed	10% Down No Income Disclosed No Assets Verified