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Highlights from Recent Closings

Filters

Alt Doc 1 Year P&L

Single Family Residence

Loan Amount

Alt Doc 1 Year P&L

Scenario

Refinance 6 months after initial purchase; use of 1 year P&L statements to qualify

Buyer's Agent

Felicia Jerbasi (Wannebo eXp Realty), 858-414-1617

Listing Agent

Seth Obyrne, 858-869-3940

ZIP

92024

Short-Term Rental Income

Single Family Residence

Loan Amount

Short-Term Rental Income

Scenario

Short-term rental income (AirBnB); cash out refinance to repair damages from hurricane

Buyer's Agent

N/A

Listing Agent

N/A

ZIP

33924

Full Doc

Condotel

Loan Amount

Full Doc

Scenario

Cash out refinance ($990,000 in cash out proceeds). Condotel at the Montage in Maui

Buyer's Agent

N/A

Listing Agent

N/A

ZIP

96761

Cash Out Refinance

Condo

Loan Amount

Cash Out Refinance

Scenario

Cash out refinance for 6 condos; investor; DSCR

Buyer's Agent

N/A

Listing Agent

N/A

ZIP

97128

DSCR

Single Family Residence

Loan Amount

DSCR

Scenario

Cash out refinance (investment property)

Buyer's Agent

N/A

Listing Agent

N/A

ZIP

92037

Non-QM Asset Depletion

Single Family Residence

Loan Amount

Non-QM Asset Depletion

Scenario

Bridge to sale: purchase using cash out proceeds from asset depletion on prior residence

Buyer's Agent

Lisette Omoss (Coastal Premier Properties); 858-361-7778

Listing Agent

Kim Caniglia (Billionaires Row); 858-342-5298

ZIP

92130

Alt Doc 12 Months Bank Statement

Single Family Residence

Loan Amount

Alt Doc 12 Months Bank Statement

Scenario

Purchase; 10% Down Payment; 12 months bank statement to qualify

Buyer's Agent

James Boosalis (Home Smart), 559-367-4141

Listing Agent

Sheila A. Urbunek (Realty Concepts), 559-259-9225

ZIP

93722

Cash Out Refinance

Single Family Residence

Loan Amount

Cash Out Refinance

Scenario

Cash out refinance (~$1.4M in cash out proceeds); using asset-based income for qualifications

Buyer's Agent

N/A

Listing Agent

N/A

ZIP

92024

DSCR

Single Family Residence

Loan Amount

DSCR

Scenario

Cash out refinance (investment property)

Buyer's Agent

N/A

Listing Agent

N/A

ZIP

92037

Non-QM Asset Depletion

Single Family Residence

Loan Amount

Non-QM Asset Depletion

Scenario

Bridge to sale: cash out refinance; down payment used to purchase new primary residence. <700 FICO

Buyer's Agent

Lisette Omoss (Coastal Premier Properties); 858-361-7778

Listing Agent

Kim Caniglia (Billionaires Row); 858-342-5298

ZIP

92037

0.8 DSCR

Single Family Residence

Loan Amount

0.8 DSCR

Scenario

0.8 DSCR; first time investor

Buyer's Agent

Devany Hunter (Rodeo Realty, Inc.); 818-414-1316

Listing Agent

Jill Fischer-Politz (The ONE Luxury Properties); 818-231-9207

ZIP

91436

Cash Out Refinance

Planned Unit Development

Loan Amount

Cash Out Refinance

Scenario

Cash out refinance (~$1.3M in cash out proceeds)

Buyer's Agent

N/A

Listing Agent

N/A

ZIP

92091

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The Tawy Team

619-599-5643

12625 High Bluff Dr., Suite 210

San Diego, CA 92130

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Mohamed Tawy

NMLS ID: 450660

© 2025 by Mohamed Tawy

Mohamed Tawy NMLS License #450660 | Rate NMLS License #2611

​

Mohamed Tawy is a Licensed Mortgage Loan Originator (MLO) with Guaranteed Rate, Inc. D/B/A Rate. For licensing information, visit www.nmlsconsumeraccess.org.

Arizona Mortgage Banker License #0907078


3940 N. Ravenswood Ave Chicago, IL 60613

 

Operating as Guaranteed Rate, Inc. in New York. This site is not authorized by the New York State Department of Financial Services. No mortgage loan applications for properties located in New York will be accepted through this site.

​

The company name, Guaranteed Rate, should not suggest to a consumer that Guaranteed Rate provides an interest rate guaranteed prior to an interest lock.

​

Rate cannot guarantee that an applicant will be approved or that a closing can occur within a specific timeframe. All dates are estimates and will vary based on all involved parties level of participation at any stage of the loan process. Contact Rate for more information. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply.

Rate is a private corporation organized under the laws of the State of Delaware. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the Nevada Department of Veterans Services, the US Department of Agriculture, or any other government agency. No compensation can be received for advising or assisting another person with a matter relating to veterans’ benefits except as authorized under Title 38 of the United States Code.

NMLS ID: 450660; PA - 105322, SC - MLO - 450660, TN - 227350, TX - Licensed, VA - MLO-62142VA, GA - 450660, HI - HI-450660, IA - 50967, ID - MLO-2080450660, AK - AK450660, AZ - 1018822, CA - CA-DFPI450660, CO - 100522433, NC - I-194568, NE - Licensed, NH - Licensed, NJ - Licensed, NM - Licensed, WA - MLO-450660, CT - LO-450660, DC - MLO450660, FL - LO81708, KS - LO.0049014, KY - MC738712, LA - Licensed, MA - MLO450660, MD - Licensed, IL - 031.0065248, MI - 450660, MN - MN-MLO-450660, MO - MO-450660, MT - 450660, NV - 69645, NY - Licensed, OR - Licensed

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