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Foreign Nationals (Non-QM): Aqui en español
LTV (Loan-to-Value Ratio): Up to 75% LTV
Loans up to $3 million.
Asset Qualifier, Bank Statements or DSCR Program
Property type: SFR (single-family residences), 1-4 units, planned unit developments (PUDs), condos, non-warrantable condos, and condotels, for second homes and investment properties only.
To apply, simply contact us today,
JUMBO
A jumbo loan is a mortgage used to finance properties that are too expensive for a conventional conforming loan.
Loan amount: Maximum Loan Amount: $3,000,000
LTV: Maximum LTV: 90%
Documentation: Full Doc: 2 most recent tax returns required
Fixed and ARM Products Available
QUALIFICATIONS
- The minimum allowed Fico Credit Score of 600
To apply, simply contact us today,
BANK STATEMENT LOANS
Bank statement loans are a type of non-qualified mortgage loan that allows you to qualify based on bank statements instead of tax returns.
Bank Statement (Non-QM):
Credit Score: 640+* •
Maximum LTV: 85%* •
Self Employed: 2+ years
To apply, simply contact us today,
COMBO 1st and 2nd
In this type of loan arrangement, borrowers take out a first mortgage, usually a 30-year or 15-year fixed-rate loan, which covers 80% of the home’s purchase price. They take out a second mortgage loan, usually with a higher interest rate, which covers an additional 10% of the home’s purchase price
Fixed or ARM conventional 1st Mortgage combined with a piggyback 2nd HELOC
Maximum CLTV: 89.99%
Maximum combined loan amount: $1,397,200 (80% LTV)
To apply, simply click the Contact Us Button Bellow:
P&L PROGRAM (Non-QM)
A profit and loss loan looks at a company’s P&L statement to determine if borrowers qualify for a loan. This eliminates the need to use tax returns which can be helpful when applicants take a large number of deductions and do not qualify for traditional financing.
Credit Score: 640+*
Maximum LTV: 85%*
Self-Employed: 2+ years
To apply, simply click the Contact Us Button Bellow:
ASSET QUALIFIER (Non-QM)
Our Simple Access® Non-QM Asset Qualifier loan is an excellent solution for those with substantial assets, but without consistent documentable income. Qualification is determined solely based on your liquid assets and assets you can liquidate without restriction.
Credit Score: 600+
Maximum LTV: 80%
Income Calculation: Eligible assets divided by 60
To apply, simply click the Contact Us Button Bellow:
FULL DOC/AGENCY FALL-OUT (Non-QM)
Full Doc/Agency Fall-Out (Non-QM):
Credit Score: 600+
Maximum LTV: 90%*
Maximum Loan Amount: $3,000,000
Housing Event: No seasoning period if there is a single event; if multiple events, 3 years
Bankruptcy Seasoning: 12 months from discharge/dismissal
12 month housing payment history required
Full Doc: 2 years tax returns or Alt Doc: 1 year of tax returns
To apply, simply click the Contact Us Button Bellow:
The following may apply for commercial loans:
- No Bankruptcy Chapter 7 or 11 in the last 4 years.
- No Bankruptcy Chapter 13 in the last 2 years from discharge date or 4 years from dismissal date.
- No Short Sale or Deed-in-lieu in the last 4 years.
