NON QM PRODUCTS | Mortgages, Real Estate

INVESTOR LOANS

FULL DOCUMENTS PROGRAM

Loan-to-Value up to 80%
FICO Scores down to 540
Debt-to-Income Ratios up to 50%
Loan amount starting from $75k to $5 million
Interest Only Available
Cash Out Options
ONE Day out of Chapter 13 Bankruptcy
ONE Day out of a Short Sale/DIL

DEBT SERVICE COVERAGE RATIO (DSCR)

Only LTV and FICO Scores Required (NO RATIO)
FICO Scores down to 620
Loan amount starting from $75k to $5 million
First Time Investors Allowed
1-4 Unit Properties
85% LTV Purchase (720 FICO)
Short Term Rentals

24 MONTHS BANK STATEMENTS LOANS

Loan-to-Values up to 80%
FICO Scores down to 640
Debt-to-Income up to 50%
Loan amount starting from $75k to $5 million

12 MONTHS BANK STATEMENTS LOANS

Loan-to-Values up to 85%
FICO Scores down to 640
Debt-to-Income up to 50%
Loan amount starting from $75k to $5 million

SOLUTIONS FOR CREDIT IMPAIRED BORROWERS

FULL DOCUMENTS PROGRAM

24 MONTHS BANK STATEMENTS LOANS

FULL DOCUMENTS PROGRAM

Loan-to-Value up to 90%
FICO Scores down to 500
Debt-to-Income Ratios up to 55%
Loan amount starting from $100k to $5 million
Interest Only Available
Cash Out Options
Bruised Credit
ONE Day out of Bankruptcy
ONE Day out of Foreclosure
ONE Day out of a Short Sale

SECOND HOMES

24 MONTHS BANK STATEMENTS LOANS

FULL DOCUMENTS PROGRAM

Loan-to-Value up to 80%
FICO Scores down to 540
Debt-to-Income Ratios up to 50%
Loan amount starting from $100k to $5 million
Foreign Nationals Eligible
Cash Out Options
Bruised Credit
12 and 24 month bank statements available

24 MONTHS BANK STATEMENTS LOANS

24 MONTHS BANK STATEMENTS LOANS

24 MONTHS BANK STATEMENTS LOANS

Loan-to-Values up to 90%
FICO Scores down to 580
Debt-to-Income up to 50%
Loan amount starting from $100k to $5 million
Interest Only Available
Cash Out Options

12 MONTHS BANK STATEMENTS LOANS

24 MONTHS BANK STATEMENTS LOANS

24 MONTHS BANK STATEMENTS LOANS

Loan-to-Values up to 85%
FICO Scores down to 620
Debt-to-Income up to 43%
Loan amount starting from $100k to $5 million
Interest Only Available
Cash Out Options

SPECIALS FIX, FLIP, FOREING INVESTOR, NO DOCS

FOREING NATIONAL LOANS

Loan-to-Value up to 75%
No tax returns required
Various Visa types accepted
Income verification from employer or CPA accepted
Foreign credit report allowed

NO DOCS PRIMARY HOUSE

Loan-to-Value up to 80%
FICO Scores down to 640 (65% LTV)
Cash out Refinance up to 70% LTV
Loan amount starting from $150k to $2.5 million
Assets must be seasoned for 30 days
Primary Residence and Second Homes

FIX AND FLIP FINANCING

Any level of Investor experience
FICO Scores down to 660
Construction Loan Amount-up to 100% of cost
12-month loan term with Interest Only Payments
Total loan amount is up to 85% of the total cost
Non-owner occupied Single Family, 1-4 units

ASSET DEPLETION/ASSET QUALIFIER PROGRAM

Loan-to-Values up to 90% for Purchases
Second Homes and Investment Properties allowed
Great for Borrowers with great credit, with no income
Cash Out Options up to 70%

SPECIAL JUMBO LOANS WITH FULL OR ALT CREDIT

FULL DOCUMENTS PROGRAM

24 MONTHS BANK STATEMENTS LOANS

FULL DOCUMENTS PROGRAM

Loan-to-Value up to 90%
FICO Scores down to 660
Debt-to-Income Ratios up to 55%
Loan amount starting from $150k to $5 million
Interest Only Available
Cash Out Options
12 or 24 month options available

SECOND HOMES

24 MONTHS BANK STATEMENTS LOANS

FULL DOCUMENTS PROGRAM

Loan-to-Value up to 80%
FICO Scores down to 660
Debt-to-Income Ratios up to 50%
Loan amount starting from $150k to $5 million
Cash Out Options
12 and 24 month bank statements available

24 MONTHS BANK STATEMENTS LOANS

24 MONTHS BANK STATEMENTS LOANS

24 MONTHS BANK STATEMENTS LOANS

Loan-to-Values up to 90%
FICO Scores down to 660
Debt-to-Income up to 43%
Loan amount starting from $150k to $5 million
Interest Only Available
Cash Out Options

12 MONTHS BANK STATEMENTS LOANS

24 MONTHS BANK STATEMENTS LOANS

24 MONTHS BANK STATEMENTS LOANS

Loan-to-Values up to 90%
FICO Scores down to 660
Debt-to-Income up to 43%
Loan amount starting from $150k to $5 million
Interest Only Available
Cash Out Options