HOME EQUITY

• Up to 80% LTV (purchase & R/T) 70% LTV cash-out
• Min FICO 660
• 100% gift allowed
• Available for US citizens, Permanent Resident aliens & Non-Permanent Residence Aliens
• Reserved required
• Loan Amount up to $2M

This Debt Service Coverage Ratio (DSCR) program is suitable for investment properties. Available on SFRs, 2-4 Units, Condos, Townhomes, Condotels, and Non-Warrantable Condos.

• Loan amounts up to $3M
• Min FICO 640
• LTV up to 80%
• Non-owner occupied only
• No income or employment verification required.
• No tax returns required. 
• Transfer Appraisal OK.
• Gift funds allowed.
• No ratio option available. 

This program is suitable for self-employed individuals. Qualify with 100% on personal account deposits and 50% on business account deposits.

• Use Personal or Business Bank Statements
• Loan amount up to $4M
• Up to 90% LTV
• Min FICO 660
• Self-Employed and 1099 Borrowers
• No Tax Returns, No Paystubs, No W2’s required.
• Occupancy: Primary, Secondary & Investment
• No Mortgage Insurance. 
• Gift funds allowed. 

• Loan amount up to $3M
• Max LTV up to 75%
• All units can be vacant for Purchase

• 5 years Balloon Loan
• No Credit report / No Employment / NO DTI / NO DSCR / NO TRID
• Stated Assets / Stated Income / MAX LTV 70%
• Loan Amount up to $5M
• Foreign National Allowed
• Non-Warrant Condo Allowed (investor approval required)
• Impound Not available
• Borrower must deposit 36 or 48 months of P+I reserves into investor selected bank
• Property type: 1-4 Units
• Mixed used property not allowed.
• Eligible borrowing entity: LLC / Corporation only. Individuals not allowed.

Qualify for mortgage based on P&L statement only. 

• P&L prepared by CPA/CTEC/EA (unaudited P&L OK)
• No Tax Returns required. 
• No paystubs or W2 required.
• Min FICO 660
• Up to 80% LTV on purchase | 75% R/T | 70% Cash-out
• Bank Statements (Optional)
• Max Loan Amount $2.5M
• Self-Employed Only | Min 50% ownership required
• 2 years of same employment. 
• Owner occupied, NOO & 2nd Homes

• No tax returns required, No W2 required. 
• 10% expense factor used
• First-time homebuyers welcome
• Used 1099 to qualify for loan. 

No Income? No Problem! Qualify based on assets. 

• Up to 80% LTV
• Utilize borrower’s assets to qualify
• Can be combined with other incomes such as W2 and bank Statements.
• Loan Amount up to $3.5M
• Min FICO 680
• 100% of checking, savings, money market, savings bonds, and CDs
• 80% of stocks, mutual funds, and bond funds
• 70% of retirement assets for borrowers under 59

• Loan amount up to $3M
• Max LTV 80%
• 2 years income history
• Qualify based on Full Doc / 12-months Bank Statement or DSCR

NO PAYSTUBS, NO W2'S, NO TAX RETURNS REQUIRED

• Max LTV 96.5%
• Owner Occupied only – Purchase, R/T & Cash-out
• Borrowers must be with the same company for 2 years
• Min FICO 640
• Only use WVOE, Other Income source not allowed
• No DPA allowed.
• No Gift Allowed.

Designed for borrowers who do not live or work in the U.S. but wish to purchase additional real estate.