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Published by ahales, 2019-05-06 13:13:57

Annie Vo Jumbo Loan

Jumbo Loan for AnyFlip

Bay Equity

JUMBO LOANS

Presented by:

ANNIE VO

Loan Officer Assistant

NMLS ID# 1410835

BAY EQUITY DIFFERENCE

SERVICE SOLUTIONS STABILITY

We’re backed by the staff and  Competitive interest rates? Bay Equity was founded in 2007 - at a
technology to quickly move loans  Robust product line? time when the recession was forcing
from application through funding.  Turnaround times? hundreds of lenders, burdened by
legacy loans, to exit the industry.
 We’re experts in the full array of Closing
Agency (FNMA – Fannie Mae, ON TIME – EVERY TIME With no legacy issues, Bay Equity is
FHLMC – Freddie Mac and GNMA built on a firm foundation of the
– Ginnie Mae) mortgage loan is our focus. highest professional standards.
products and we underwrite to
our guidelines. It’s not enough in today’s lending
That’s important. environment to simply have low home
loan rates.

You need the Bay Equity
Difference.

Partner with Bay Equity and Build Your Business

There is nothing like having a client for life, who comes back to you for
each real estate transaction and refers friends to you.

Partner with Bay Equity and Build Your Business

4 GREAT REASONS
to co-market with Bay Equity:

1. Your Loan Officer can create Open House fliers for you.

22. You are included in a “loan in process” 11-touch campaign.

33. You are included in a 3 year post-close campaign of emails and postcards.

44. You can be included on other email and flyer campaigns that are launched by
your Loan Officer partner.

► RESPA requires a shared cost when something of value is given to a partner.
► To meet that requirement, real estate partners make a single payment of $35, which covers a full

3 years of co-marketing to all borrowers they and their Bay Equity Loan Officer partnered on.
► Payment is made by credit card through our marketing vendor.

How Bay Equity Supports YOU…

Our Marketing
highlights the
importance of a

Realtor.

Looking for more
information?

I can help you!

Looking at a JUMBO Loan?

• Loan amounts up to $3 MILLION*
• Loan To Value up to 90% with NO Mortgage Insurance**
• Credit scores as low as 680
• Loan To Value Options:

Purchase up to 90%
Rate and Term Refinance up to 80%
Cash-Out Refinance up to 75%
• ARM and Fixed Products Available
• Property Types:
SFR, PUD, Condo and 2-4 units, Properties with up to 20 acres
• Owner Occupied, Non-Owner Occupied, 2nd Homes, Investment
Properties
• Eligible Transaction Types:
Purchase
Rate and Term Refinance
Cash-Out Refinance

Ask about our Buy Now, List or Rent Later We have you covered!
(excludes Departure Residence Payment).

* Loan amounts greater than $3 Million in NY and CA only (elsewhere with investor
consideration).
** Loan-to-value maximum subject to occupancy and property type restrictions; credit and
reserve requirements apply.

Our suite of Jumbo offerings help
borrowers increase their buying power.

Jumbo Product Example: Buy Now, List or Rent Later

Want more details? Contact me!

Jumbo Product Examples

We have several Jumbo Loan products, such as
Expanded Prime, Near Prime and Investment Properties

& Second Homes for Foreign Nationals.

Jumbo & Options: Investment Opportunities

Turn your buyers into builders…
(of wealth)

The market climate could change: Interest rates are on the rise.

Now is a great time to take advantage of the growth potential
of buying foreclosed property. Give your clients the
opportunity to invest in their futures, enjoy positive cash flow
and accumulate wealth.

Advantages of purchasing foreclosure properties in today’s
market:
 Average savings of 10-30%
 Positive/increased cash flow
 Investment stability
 Potential tax benefits

Jumbo & Options: Lock & Shop

Lock & Bay Equity’s Lock & Shop
Shop program provides borrowers
with up to 90 days of interest

rate protection while they
shop for a new home.

Jumbo & Options: Multiple Properties

BAY DIRECT MULTIPLE
FINANCED PROPERTIES

Expand your real estate investment portfolio with a
Bay Direct Multiple Financed Properties mortgage.

Designed for borrowers who already have 5-10
financed properties, these loans are for the purchase
or refinance – even cash-out – of vacation or
investment properties.

Some of the advantages:
• Credit scores down to 720
• Competitive fixed interest rate
• Fully amortizing over 10, 15, 20 or 30 years
• Available for 1-4 units, PUDs and approved condos

Marketing To Your Clients

Bay Equity
Benefits Your Clients

We have Marketing Collateral
to help your clients understand

the mortgage process.

Marketing To Your Clients

3 YEAR POST
CLOSE CAMPAIGN

A client retention program that sends
postcards and birthday cards over
three years after a loan has closed.
Monthly E-newsletter is also available.

Let’s Connect!

 I can help put the loan pieces together –
so you can focus on more important tasks.

 I am here to help you and your clients.

 I am available on weekends and evenings.

Annie Vo

Loan Officer Assistant
NMLS ID# 1410835
13241 Bartram Park Blvd, Suite 113
Jacksonville, FL 32258
M: 904.235.9205
E: [email protected]

Equal Housing Lender. This is not a commitment to lend or extend credit. Restrictions may apply. Rates may not be available at time of application. Information and/or data are subject to
change without notice. All loans are subject to credit approval. Not all loans or products are available in all states. Bay Equity LLC, 28 Liberty Ship Way Suite 2800, Sausalito, CA 94965;
NMLS ID#76988. Florida Mortgage Lender Servicer License #MLD1014. NMLS consumer access: www.nmlsconsumeraccess.org


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