Program highlights include:
- 24 months full doc or 12 months bank statements to qualify
- Full doc tax returns must reflect ITIN
- IRS ITIN Issuance letter
- Two photo ID’s
- Credit report issued with ITIN number
- Co-Borrowers with other income doc types allowed
SCENARIO REQUEST
Program highlights
include:
- Loan amounts up to $2MM
- Credit score down to 600
- No DTI calculation or employment verified
- Interest Only available on 30 or 40 year term
- All occupancy types allowed
- LLCs, Partnerships and Corporations are eligible vesting types
- Non-Warrantable Condos considered
- Multiple financed properties allowed
- Qualify borrowers using eligible assets; marketable securities, retirement funds, and other asset types
SCENARIO REQUEST
Program highlights
include:
- Qualify for investment properties through Debt Service Coverage Ratio
- Rent qualifies the loan – borrower income not needed
- Loan amounts up to $3.5MM+
- Credit score down to 620
- No DTI calculated or employment verified
- Interest only feature available with no reduction to LTV
- First Time Investors Eligible!
- LLCs, Partnerships and Corporations are eligible vesting types
- Non-Warrantable Condos considered
- Multiple financed properties allowed
- Gift funds allowed for closing funds
SCENARIO REQUEST
Program highlights
include:
- 1 year W2's, W2 transcripts, YTD paystub, VOE
- Product types: 5/6 ARM, 7/6
ARM, 30 Year Fixed
- Maximum LTVs of 85%
- Owner Occupied, 2nd Home or
Investment Property
- Maximum DTI of 55%
- Maximum loan sizes of $1.0
million
- Payment history: 1x30x12
SCENARIO REQUEST
Program highlights
include:
- Qualify with 12 months business or personal bank statements
- Loan amounts up to $4MM
- Credit score down to 600
- DTI up to 50%
- Max LTV 90%
- Interest Only available on 30 or 40 year term
- Owner Occupied, 2nd Home or Investment Property
- LLCs, Partnerships and Corporations eligible vesting types
- Multiple financed properties allowed
- Multiple bank statement qualification options
- Minimum 2 years self-employmentOR 2 years in same line of work
- 18 month to 48 month or Settled event seasoning
- Non-Warrantable Condos allowed
- Gift funds allowed for closing funds
SCENARIO REQUEST
Program highlights
include:
- Not Your Average Full Doc Loan!
- Eligibility determined by 2 years of W2s & W2 transcripts only
- Interest Only available on 30 or 40 year term
- DTI up to 55% allowed
- Credit score down to 620
- Recent Credit Events Allowed
- All occupancy types allowed
- 7/6 and 10/6 ARM, 15, 30, and 40 FRM (40 year term IO only)
- Multiple financed properties allowed
- Non-Warrantable Condos approved with certain criteria
- Gift funds allowed for closing funds
SCENARIO REQUEST
Program highlights
include:
- Credit score down to 600
- DTI up to 50%
- Recent Credit Events allowed
- Interest Only available on 30 or 40 year term
- All occupancy types allowed
- Multiple 1099 qualification options
- Multiple financed properties allowed
- As little as one year to qualify
- Gift funds allowed for closing funds
SCENARIO REQUEST
Program highlights
include:
- Credit score down to 620
- DTI up to 55%
- Recent Credit Events allowed
- Interest Only available on 30 or 40 year term
- All occupancy types allowed
- 7/6 and 10/6 ARM, 15, 30, and 40 FRM (40 year term IO only)
- Non-Warrantable Condos considered by exception
- Multiple financed properties allowed
SCENARIO REQUEST
Program highlights
include:
- Qualify borrowers with most recent CPA/PTIN prepared 12-month Profit & Loss statement (P&L) & last 3 bank statements to validate
- Less than 100% ownership of Business OK
- Credit Score down to 600
- All Occupancy Types Accepted
- Minimum Fico 620 (with other restrictions)
SCENARIO REQUEST
Program highlights
include:
- Owner Occupied Primary Residence only
- 2 years history of employment in same industry
- No paystubs,tax returns, 4506-C or W2's required
- WVOE to be completed by HR, Payroll or Officer of Company
- Two month bank statements to support income required
- Verbal VOE done prior to funding
- Co-Borrowers with other income doc types allowed
SCENARIO REQUEST
