🔥 There’s a Loan for Every Story — Let’s Find Yours The truth is… there’s no “one-size-fits-all” mortgage. That’s why at Ready Mortgage Lenders, I match your goals with the right program. 💼 First-Time Buyer? 👉 FHA Loans – Only 3.5% down. Easier qualification, flexible credit, and a low entry to homeownership. 🏠 Strong credit & stable income? 👉 Conventional Loans – Starting at 3% down. Lower rates, fewer fees, and more freedom long term. 📈 Investor mindset? 👉 DSCR Loans – No income docs needed. Your property’s cash flow qualifies you, not your tax returns. 🌎 Live abroad or don’t have U.S. credit? 👉 Foreign National Loans – Designed for international buyers investing in U.S. real estate. 💎 Buying luxury? 👉 Jumbo Loans – For homes that exceed standard limits. Tailored for high-value purchases. ⚡️ Need funds fast or have challenged credit? 👉 Hard Equity Loans – Based on the property’s value, not your FICO score. Perfect for flips or quick closings. 💰 Self-employed? 👉 Bank Statement Loans – We use your business deposits to qualify. No tax returns needed. ♻️ Retired homeowner? 👉 Reverse Mortgages – Access your home equity and live payment-free. No pressure. Just results — with a strategy built around you. 📲 Ulises Ruiz | Realtor & Loan Officer Luxe Properties | Ready Mortgage Lenders 🏡 Real Estate License: #3278697 💳 NMLS: #1624175 20+ Years of Experience | FHA • DSCR • Jumbo • Foreign National Equal Housing Lender