Bradley Hower
Mortgage Professional
NMLS: 1810189
Exceptional results.
About
Seven plus years of experience in the mortgage industry. Passionate about maximizing outcomes and prepared to accept new challenges. Motivated by the joy of helping others succeed and creating value.
Highlighted Programs
FNMA
Conventional loan with great terms. Down payment as low as 3.5%.
VA
Veteran-focused loan with strong foreclosure protection and a 0% down payment option. VA funding fee rather than Mortgage Insurance. Utilize VA entitlements to significantly reduce closing costs.
FHA
Ideal for those targeting multi-unit properties (2-4 units) — a 3.5% down payment minimum. Requires refinancing to remove Mortgage Insurance.
No Income Verification
Less hassle; ideal for self-employed individuals or those with non-traditional income sources. Maximum 80% Loan-To-Value Ratio and up to 12 months in reserves; 75% for investment properteies with 36 months of reserves.
Low Credit Score
Designed for buyers with lower credit scores — options available for FICOs as low as 550.
DSCR
Investor-friendly loan — qualify based on rental property Cash Flow-to-Debt Ratio. Maximum 85% Loan-To-Value ratio.
HELOC
Tap into home equity and get funds in as little as 10 days. Enjoy the added flexibility. Typically requires 20% to 30% in equity.
Interest-Only
Pay just interest for the first few years before transitioning to full payments—ideal for managing short-term cash flow or maximizing investment flexibility. Maximum 75% Loan-To-Value ratio. Speculative in nature with potential for payment shock when interest-only period ends.
Foreign National Investor
Specialized loan program for non-U.S. citizens who are non-residents. Interest-only option available. Maximum 70% Loan-To-Value ratio. Requires 12 months in reserves and banking relationship documentation.