Based in Metro Manila
James Morales
Senior Loan Manager
About Me
I’m James, and I bring 18 years of expertise in Residential Mortgage lending, spanning both the U.S. and international markets. When it comes to my borrowers, their interests always come first, no exceptions. I work diligently to secure their loans and ensure their financial goals are met. Let’s work together to achieve your dreams!
Contact Me
Loan Programs
A Rental Income Loan uses the property’s cash-flow as the qualifying income on the mortgage, and no other income documents are required.
- 75% LTV for Foreign Nationals and 80% LTV for U.S. Citizens
- Minimum loan amount: USD 150,000
- Various term options: 15-yr fixed, 30-yr fixed, 5-yr ARM, 7-yr ARM
- Interest-Servicing Only (Interest-Only) payments are also available
- 97% approval rate
- Available in all 50 states
Non-U.S. Citizens can qualify for a U.S. mortgage with foreign income. No U.S. credit? No problem.
- No U.S. Credit required
- Up to 75% LTV
- Minimum loan amount: USD 150,000
- 97% approval rate
- Available in all 50 states
A fast “Bridging” loan is a short-term loan typically based solely on the asset value and not the borrower’s repayment ability.
- Up to 75% LTV
- Minimum loan amount: USD 150,000
- Cash-out Bridge Loan for short-term personal or business use
- 97% approval rate
- Available in all 50 states
Contact Me Today To Learn More.
