Larry Martinez

Specialties

Guaranteed Rate Specialty Products



Stated income

No tax returns. No W-2’s or paystubs. No 4506’s. Just verify assets ($ 100K up to $ 650K loan amount). Up to 70%LTV.

12 Months Bank Statements

Income used to qualify equals the total deposits into your account shown on your last 12 months bank statements.

90% Financing to $ 1,275,000

No mortgage insurance. 1^st and 2^nd lien combo.

Departing Residence

Want to buy a new home and keep your old one? We have a program that will allow you to rent out your existing home and use the rental income according to a rent survey. No appraisal required. No equity in your existing home required.

Non-​warrantable condos

Are you having difficulty getting a loan on your condo because your complex is not Fannie Mae approved?

Foreign nationals

No Visa? No US tax returns? No US credit? Foreign bank account? We can take a letter from your creditor stating that you are in good standing and we accept a variety of sources of foreign income.

Asset dissipation

No pledging. No liquidation. We will assume your income by simply verifying your assets

Retirement Distribution (IRA & 401K)

Over 62 with a retirement account? Talk to your financial advisor about setting up a distribution to qualify.

Asset pledging

The lender is named on the asset until the loan is paid off. No qualifying is necessary.

FHA and VA

We are also a direct lender for all FHA and VA loans. Our low rates are hard to beat.

Rehab loans

Remodeling? Construction loans can be

History

Established in 2001.

Hi, my name is Larry Martinez. I obtained my real estate sales person’s license in 1984 shortly after graduating from San Diego State University with a degree in finance and an emphasis in real estate. In a field where most buyers are represented by sub-​agents of the seller, I saw a niche for true buyer representation and created the buyer’s brokerage Larry Martinez Real Estate in 1990. I soon found myself more preoccupied with educating and guiding clients through the financing process and decided to make a switch.

I have dedicated the last twelve years helping buyers and homeowners with their mortgage financing. I keep their best interests at heart, taking personal responsibility to see each client gets the loan they expect and deserve.