Username Password Remember Me?

Lending Resources

Resources

Pre-approval

Documents for pre-approval (Use the rule of 2)

  • Paystubs (2 most recent)

  • W-2 Forms (2 most recent)

  • Recent bank statements (2 month history-include all pages)

  • Tax Returns (2 years-include all pages)

  • 2 year work history

  • Proof of any additional income

  • Download our Vital Documents Checklist

FHA

Shamrock Financial has DE Certified FHA Manual Underwriting in-house

  • Low down payment requirements (1-4 family, condo)

  • Less than perfect credit

  • Higher qualifying debt ratios

  • Higher mortgage limits

  • Permits seller cost cost contributions

  • 100% Gift funds allowed

  • Non-occupant co-borrowers allowed on SFR/Condo

  • Assumable mortgages

HomePath Financing

Shamrock Financial is an approved HomePath Lender

  • Perfect for first time home buyers and/or real estate investors (for investors, max 4 properties financed)

  • No appraisal needed (Owner Occupied & Investment properties)

  • Liberal credit guidelines

  • Download the HomePath Quick Reference

Visit Homepath Website to determine property eligibility.

USDA

Shamrock Financial is #1 for USDA origination in Rhode Island

  • 100% Financing for qualified home buyers

  • Household adjusted income may not exceed the MODERATE INCOME limits

  • Limits based on family size and county/township/parish where property is located

  • Income & Property Eligibility Website