Justin Ramsteck (Wachovia) Services for Real Estate Pros



Justin Ramsteck
location_on Purchase, NY — Wachovia
Get to Know Justin Ramsteck

Option ARM loans that can be done at an 80LTV stated / stated even for W2'd borrowers. FICO scores as low as 600 stated as long as the credit itself isn't that bad. Passive income stated is ok. We now have fixed rate versions of this product as well. Foreign nationals done stated / verified up to a 75 LTV. Same pricing stated as full doc. This is all done on our portfolio side (formerly World Savings).

We also have a wide variety of loans available on our saleable Wachovia side.

Feel free to contact me with any scenarios / questions!


Option ARM's

Foreign Nationals

Stated / Stated

Stated / Verified (purchases) 

600 and up FICO scores

Stated Wage earners

Common Sense underwriting