No Ratio Mortgages

Groves Capital Makes Home Loans Easy

Click the button if you would like to apply for a loan now. Our application process is quick, easy, and most of all free. We never charge a client for a pre-qaulification application.

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No Ratio Mortgages

No Ratio Mortgages empower the dreams of diverse homeowners by providing non-traditional access to capital for underbanked borrowers and communities.  Instead of relying on traditional methods for assessing loan eligibility, No Ratio Mortgages require a holistic analysis of the borrower’s character, collateral, capital, capacity, and loan conditions or planned usage. No Ratio Mortgages are designed to help borrowers establish and enhance their credit to improve their access to prime financing without the threat of predatory prepayment penalties.

Minimum loan amounts for No Ratio Mortgages start at $100,000. Maximum loan amounts must be 80% LTV (Loan to asset value). Property purchases eligible for No Ratio Mortgages include primary residences, second homes, 1-4 unit residential properties, condominiums, agriculturally/rurally zoned properties, and mixed-use properties. States ineligible for No Ratio Mortgages include the District of Columbia, Maine, Maryland, Nevada, Pennsylvania, Washington, and West Virginia.

For a project to be eligible for a No Ratio Mortgage, the project must be in full compliance with the applicable jurisdiction. The project must also meet all FNMA Insurance requirements for the property, liability, and fidelity coverage. Lenders must also confirm the project documents do not give a unit owner or any other party priority over the rights of the 1st mortgagee.

Get Your Mortgage Going

Welcome to Groves Capital
The Nations Premier Home Loan Lender

Groves Capital is a family-owned business based in San Diego, CA. We know that each client has unique needs; we’ve built a reputation of being able to deliver a broad menu of options to our clients while maintaining great service and timely delivery.

Today’s technology is providing a more productive and real-time environment. For example, through our website, you can submit a complete and secure loan application or pre-qualify for a home loan. You may also evaluate your different financing options by using our interactive calculators and going over various mortgage scenarios.  Additionally, you can search for properties through our interactive MLS portal.  In the complex world of lending; our goal is to make it as simple as possible.

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