CMK MORTGAGE TEAM
CINTHIA KETTERING 
Licensed Loan Officer For PA & FL - NMLS #114430
Residential and Commercial loans

About me

I specialize in a variety of mortgage services aimed at helping to secure all of your property-financing needs. Whether you’re looking to buy your first home or refinance an existing mortgage, I provide services suited to each client’s individual needs.

I have over 20 years of experience in the finance and real estate investment industry.   Feel free to contact me to see how I can assist you.  Se Habla Español.

Conventional Loans

Up to 97% Financing

No monthly MI options

Seller Assistance Accepted

USDA Loans

Up to 100% Financing

Up to 6% Seller Assistance

Mortgage Products

For Purchases and Refinances:

Conventional Loans

FHA Loans

VA Loans

USDA Loans

Jumbo Loans

High Debt Ratios Loans

Second Home Loans

Construction Loans

Reverse Mortgage

Investments Loans

Foreign National Loans

Commercial Loans

FHA Loans

3.5% Down Payment

Up to 6% Seller Assistance

Minimum 600 credit score

Investments Loans

20% to 25% Down Payment

Up to 2% Seller Assistance

Loan Process

The first step is pre-qualification.

Documents needed:

*State identification & SS card

*Two most recent Pay Stubs

*Past two years W-2

*Past two years’ tax returns (All pages and schedules)

*Two most recent bank statements (All pages)

*Most recent transaction summary of 401K, IRA, pension plans, etc.

*A letter of explanation for any known credit problems, gaps in employment, large deposits, etc.

VA Loans

Up to 100% Financing

Up to 4% Seller Assistance

Minimum 600 credit score

Second Homes

10% Down Payment

Seller Assistance Accepted