A Loan for a Home
Offerings
Conventional Loans
Cashout and Loan Refinance
Jumbo Programs
Non-QM Loans
Specialty Programs in Massachusetts
GMCC Universe
The GMCC Universe Program simplifies U.S. property ownership for foreign nationals by eliminating traditional barriers.
Details
Max Loan: $3M with exceptions!
All Visa acceptable (F,B,J etc.)
No Income or DTI requirements
No Employment
Primary, Secondary & Investment: 60% LTV
Cashout: 60% LTV
Buy without Sell First
GMCC offers flexible financing options through select programs that allow qualified buyers to purchase a new home without needing to list or sell their current residence before closing.
Details
Great for upgrading / downsizing
Lending from $150k to $3M
Can use Bank Statement programs, VOE, P&L
DSCR
GMCC’s DSCR loan programs make it easy to qualify using rental income instead of personal income or employment.
Details
No Tax Return or Employment Info
DSCR flexibility to No Ratio
Short Term rent (airbnb) available
Lending from $100k to $4M
Purchase, Cash-out, Refinance
Jumbo 10% down
Only 10% down, up to $5M — no mortgage insurance required! GMCC offers high-LTV jumbo financing options that allow qualified buyers to purchase with just 10% down and no monthly MI.
Details
1 Year tax Return Only
Flexible Down Payments & Loan Amounts
No Landlord history required
Celebrity 10K Grant
GMCC’s Celebrity $10K Grant Program offers up to $10,000 in free assistance—no repayment, no lien, and no rate increase.
Details
FHA loan programs only
Up to 10K
Not limited to first time home buyers
Subject to MFI and UW conditions
GMCC Massive
GMCC’s Massive Program offers an alternative solution for well-qualified borrowers using asset-based underwriting.
Details
Foreign National Friendly
Primary & Secondary: 70% LTV
Lending from $150k to $3M
Accepts Non-Warrantable Condos
No Point Options!
Kevin Xiong | Mortgage Loan Originator
Kevin is a Mortgage Loan Officer at General Mortgage Capital Corporation (GMCC) located in Newton MA.
Fluent in English and Mandarin.
NMLS #2696724
Kevin has been serving clients across all demographics. He is extremely knowledge with conventional mortgage products and takes pride in being an expert in JUMBO loan products as well as assisting foreign national and investment property solutions.
Whether you are looking for purchase or refinance, he will help you choose the right loan product for your needs. Excellent communication and customer service is what Kevin believes is key for every relationship he makes and is dedicated to providing this with each transaction.
When not working, he enjoys spending time with his girlfriend and family, fishing, watching Boston sports teams and reading.
Contact Information: kevin.xiong@gmccloan.com