We provide FREE pre-approval letter for you or your clients to make offers. NO Mortgage insurance for 5% Down Payment. With Minimum of 5% down payment, you can buy a primary residential (Single Family Residential or Condo) without having to buy mortgage insurance. Up to 95% loan to value, we can qualify your loan with only one year income documentation on Salary earner (W-2 employee) or Self-employee (Corporation income, Partnership income, Sole Proprietorship income or just Form 1099 earner)