In response to the sub-prime fallout, NCI has taken the lead in a responsible approach to lending and thereby continue to offer 100% financing to those wishing to pursue the American dream of homeownership but without the perils of Adjustable Rate Mortgages, Prepayment Penalties and High Interest Rates.

We are proud to offer:

• 100% Financing
• Minimum Fico Requirement is 575
• No Verification of Rent Required (VOR)
• One Fico OK
• 1 Loan with reduced MI (e.g. on a 400k loan only $200/month)
• 30 year fixed, Interest Only and 40 year amortization available
• Loans up to 417,000
• Flexible income and tradeline requirements

For additional information and details on this program you may e-mail 100@newcapitalinvestments.com or contact us toll free at (877) 876-6857.

Additionally New Capital Investments Inc. offers a comprehensive array of loan products some of which include the following:

80/20 - This is a loan which carries a second mortgage for up to 20% of the purchase price of the property. It is usually used when wishing to avoid mortgage insurance or to keep your first mortgage under the conforming limit to avoid jumbo rates. The borrower does need a down payment. Other variations are the 75/25.

JUMBO LOANS - Offers 30 and 15 year fixed rate mortgage and competitive ARM products with full document, alternate documentation and limited documentation.Cash out and No cash out refinance are allowable. Single family detached, Condo’s, PUD’s and single-family second homes can be financed with no prepayment penalty.

ZERO DOWN PROGRAMS - The borrower pays for closing costs or can have the seller contribute up to 6% towards closing costs.

NO DOC/STATED INCOME - Loans where your income is not requested or verified with as little as 10% down are stated income loans. There are several varieties of the "no-doc" loan today. Basically the type of loan that is best suited for a particular borrower depends on that borrower's situation. Some borrowers choose not to disclose employment, income or asset information, while others may be willing to disclose employment and asset information but not income. Still others might be willing to disclose even income but select a program that doesn't calculate debt-to-income ratios allowing those borrowers to exceed the traditional guidelines in order to qualify for a larger mortgage amount. With all the different variations of the no-doc loan, there is definitely a mortgage program for today's non-conventional borrowers.

A- THRU D LOANS - These mortgages are for the credit challenged. They can vary from slightly damaged credit to severely damaged. Whatever the situation we have a mortgage that will get you back on track.

2ND MORTGAGE LOANS - Subordinate to the first mortgage these loans offer the borrower the ability to get money for home improvement, debt consolidation or many other reasons without disturbing their first mortgage. Convenient when you have a low interest first mortgage.

125% 2nd MORTGAGE - Same as above but the 2nd mortgage we will lend up to 125% of the value of the home.

HIGH DEBT RATIO LOANS - Borrowers having the ratio of their monthly bills to their monthly income higher than 50% is considered a high debt ratio. Loan programs are available for these borrowers, allowing them to finance the purchase of a home or property.