Current Financing Programs
*QUALIFIED BUYERS. TERMS AND CONDITIONS APPLY.
NMLS #3112
Jumbo Loans
- Loans up to $5 million
- 20% down (Less on an exception basis)
- Credit scores 680 or higher
- Cash reserves of 3 months (or more)
Alternative Financing Options
- Use 1 year personal or business bank statements
- 1 year 1099 option
- Using a Profit and Loss statement to qualify
- 20% down
- Credit scores of 680 or higher preferred
- Cash reserves of 6 months (or more)
Physicians Loans
- Up to 100% financing
- Loans up to $2.5 million
- Cash reserves up to 6 months
1X or 2X Close Construction Loans
- Loans up to $5 million
- Debt ratios up to 50% (can be negotiated)
- Cash reserves as little as 6 months (can be negotiated)
- Credit score depends on amount borrowed (as low as 620)
- Can use the bank statement, 1099, or P&L model as verification of income
Adjustable Rate Mortgage Options
5/1 ARM
7/1 ARM
*Terms and Conditions apply.
MARC WESTERN
LOAN OFFICER
NMLS # 47206
OFFICE: 801-226-7456
CELL: 801-243-5522
MARC.WESTERN@FIRSTCOLONY.COM
Marc Western with First Colony Mortgage brings more than 28 years of mortgage lending experience to his clients. Throughout his career, he has developed deep expertise in guiding borrowers through the lending process, successfully helping clients from a wide range of financial backgrounds. Marc specializes in working with self-employed individuals and borrowers with complex financial situations, making even the most challenging loan scenarios manageable. His dedication and performance have earned him national recognition as a Top Mortgage Producer every year since 2001.
Products, pricing, terms and / or conditions expressed herein are accurate as of the date of publication and subject to change without notice. All loans are subject to review and approval with eligibility and requirements. Please contact your FCM loan officer for assistance. Equal Housing Lender | UT Lic# 5492455 | NMLS# 3112 | ©2026 First Colony Mortgage, All rights reserved.
