About Ramzi Faraj - Delmar Mortgage
Delmar Mortgage is a direct mortgage lender based in St. Louis, MO, known for its family-oriented company culture and commitment to client satisfaction. As an Equal Housing Lender, the company emphasizes providing clear expectations and an honest consultation process to ensure a smooth lending experience for borrowers across numerous states.
Delmar Mortgage offers a comprehensive suite of home loan products, including popular options like FHA, VA, Conventional, and Jumbo loans. They also feature specialized programs such as Adjustable Rate Mortgages and various Refinance solutions, including cash-out options. Furthermore, they provide proprietary offerings like "The Delmar Solution Loan Program" and "The Expat Loan Program", catering to diverse borrower needs and property types, from single-family homes to multi-unit properties.
Leveraging modern digital tools such as online applications and various calculators, Delmar Mortgage aims to simplify the home financing journey. Their focus on building long-term relationships and providing accessible resources underscores their dedication to empowering clients in achieving homeownership goals. The company's reach extends to 42 states, reinforcing its significant presence in the mortgage industry.
Delmar Mortgage offers a comprehensive suite of home loan products, including popular options like FHA, VA, Conventional, and Jumbo loans. They also feature specialized programs such as Adjustable Rate Mortgages and various Refinance solutions, including cash-out options. Furthermore, they provide proprietary offerings like "The Delmar Solution Loan Program" and "The Expat Loan Program", catering to diverse borrower needs and property types, from single-family homes to multi-unit properties.
Leveraging modern digital tools such as online applications and various calculators, Delmar Mortgage aims to simplify the home financing journey. Their focus on building long-term relationships and providing accessible resources underscores their dedication to empowering clients in achieving homeownership goals. The company's reach extends to 42 states, reinforcing its significant presence in the mortgage industry.
Company Information
Lender Type: Direct Lender
Headquarters: St. Louis, MO
Licensed In
ALAZARCACOCTDEFLGAIDILINIAKSKYLAMDMAMIMNMSMOMTNENJNMNCOHOKORPARISCSDTNTXVAWAWVWIWYDC
Certifications & Credentials
Equal Housing Lender
Digital Capabilities
Online Application
Online Account Management
Rate Calculator
Pre-Qualification Tool
Home Loan Products
FHA Loan Program
Loan Types:
FHA
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed1099 ContractorRetiredInvestorBusiness Owner
Income Verification:
Full Documentation
Credit Tiers:
Excellent (740+)Good (680-739)Fair (620-679)Poor (580-619)
580
Min Credit Score
VA Loan Program
Loan Types:
VA
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed1099 ContractorRetiredInvestorBusiness Owner
Income Verification:
Full Documentation
Special Programs:
Veteran Program
Credit Tiers:
Excellent (740+)Good (680-739)Fair (620-679)Poor (580-619)
580
Min Credit Score
Conventional Fixed Rate Loans
Loan Types:
ConventionalRefinanceCash-Out Refinance
Rate Types:
Fixed Rate
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed1099 ContractorRetiredInvestorBusiness Owner
Income Verification:
Full Documentation
Available Terms:
15 years30 years
Credit Tiers:
Excellent (740+)Good (680-739)Fair (620-679)Poor (580-619)
580
Min Credit Score
Adjustable Rate Mortgage (ARM) Program
Loan Types:
ConventionalRefinance
Rate Types:
Adjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed1099 ContractorRetiredInvestorBusiness Owner
Income Verification:
Full Documentation
Credit Tiers:
Excellent (740+)Good (680-739)Fair (620-679)Poor (580-619)
580
Min Credit Score
Jumbo Loan Program
Loan Types:
Jumbo
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed1099 ContractorRetiredInvestorBusiness Owner
Income Verification:
Full Documentation
Credit Tiers:
Excellent (740+)Good (680-739)Fair (620-679)Poor (580-619)
580
Min Credit Score
General Refinance Loans
Loan Types:
Refinance
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed1099 ContractorRetiredInvestorBusiness Owner
Income Verification:
Full Documentation
Credit Tiers:
Excellent (740+)Good (680-739)Fair (620-679)Poor (580-619)
580
Min Credit Score
American Cash-out Refinance Loan
Loan Types:
Cash-Out Refinance
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed1099 ContractorRetiredInvestorBusiness Owner
Income Verification:
Full Documentation
Credit Tiers:
Excellent (740+)Good (680-739)Fair (620-679)Poor (580-619)
580
Min Credit Score
Down Payment Assistance Program
Loan Types:
ConventionalFHA
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed1099 ContractorRetiredInvestorBusiness Owner
Income Verification:
Full Documentation
Special Programs:
Down Payment AssistanceFirst-Time Homebuyer
Credit Tiers:
Excellent (740+)Good (680-739)Fair (620-679)Poor (580-619)
580
Min Credit Score
The Expat Loan Program
Loan Types:
Non-QMPortfolio
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Investment Property
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Special Programs:
Foreign National ProgramNon-Resident Alien Program
Credit Tiers:
Excellent (740+)Good (680-739)Fair (620-679)Poor (580-619)
The Delmar Solution Loan Program
Loan Types:
Non-QMPortfolio
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Credit Tiers:
Excellent (740+)Good (680-739)Fair (620-679)Poor (580-619)
Contact Information
Fax: (314) 434-6994
Professional Licenses
NMLS ID: 30998
2360 W Jefferson Suite 101
Trenton, MI 48183
US
Mailing Address:
1066 Executive Parkway Dr. Suite 100 St. Louis, MO 63141
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Business Information
Category: Mortgage Lender
Location: Trenton, MI
Status: Standard
Type: Direct Lender
NMLS ID: 30998
Profile Views: 1
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