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NOTE: This is not a commitment to lend loan. Loan products and programs are subject to underwriting review and investor approval. Loan guidelines, requirements and rates may change anytime depending on market conditions without prior notice. Please consult with licensed mortgage professionals for detail information. 

HOME EQUITY

HOME EQUITY LINE OF CREDIT / HELOC

HOME EQUITY LINE OF CREDIT / HELOC

HOME EQUITY LINE OF CREDIT / HELOC

Keep your existing low interest rate mortgage AS IS and get the second one.

  • Up to 90% LTV
  • Min FICO 600
  • Max loan limit $500,000
  • Available on Primary, Second and Investment property.
  • No appraisal required for loan amount below $250K

HOME EQUITY (Closed End Second)

HOME EQUITY LINE OF CREDIT / HELOC

HOME EQUITY LINE OF CREDIT / HELOC

  • Income types: Full docs, P&L, VOE, DSCR, Bank Statement
  • Cash up to $750K
  • Min FICO 680
  • Max DTI 50%
  • LTV up to 90%
  • Property: Primary, Second & Investment.
  • Appraisal required

Government Agency Loan Programs

FHA

USDA

FHA

VA

USDA

FHA

USDA

USDA

USDA

Loan Programs: FOR ALL TYPES OF BORROWERS

NO INCOME, NO RATIO (for Primary Residence and Second Home)

  • 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

INVESTOR CASH FLOW / DSCR

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. 

12 or 24 Months Bank Statement Loan

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. 

DSCR 5-10 UNITS

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

NO DOCS (ND2) PROGRAM (Stated Income / Stated Assets / No credit report)

  • 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.

PROFIT AND LOSS STATEMENT ONLY

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

1099 ONLY (For Self-Employed Borrowers)

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

ASSETS QUALIFIER

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

ITIN Loan (Individual Taxpayer Identification Number)

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

WVOE ONLY

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.

FOREIGN NATIONAL

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

Conventional Loan Programs

Confirming Loan

Non-Conforming Loan

Non-Conforming Loan

Non-Conforming Loan

Non-Conforming Loan

Non-Conforming Loan

Home Ready

Home Possible

Home Possible

Home Possible

Home Possible

Home Possible

Non-Qualified Loan Programs

Bank Statement Loan

Profit and Loss Statement Loan

Profit and Loss Statement Loan

Profit and Loss Statement Loan

Profit and Loss Statement Loan

Profit and Loss Statement Loan

DSCR Loan

Profit and Loss Statement Loan

Bridge Loan

Bridge Loan

Fix and Flip Loan

Bridge Loan

Fix and Flip Loan

Fix and Flip Loan

Fix and Flip Loan

WVOE Only Loan

Fix and Flip Loan

Fix and Flip Loan

W2 Only Loan

W2 Only Loan

W2 Only Loan

ITIN Loan

W2 Only Loan

W2 Only Loan

HELOC

W2 Only Loan

2nd Trust Deed Loan

2nd Trust Deed Loan

2nd Trust Deed Loan

2nd Trust Deed Loan

1099 Only Loan

2nd Trust Deed Loan

1099 Only Loan

Commercial Loans

GAS STATIONS

GAS STATIONS

GAS STATIONS

8+ Units

GAS STATIONS

GAS STATIONS

Apartments

GAS STATIONS

Apartments

Warehouse

Self-Storage

Apartments

Office

Self-Storage

Self-Storage

Self-Storage

Self-Storage

Self-Storage

Self-Storage

Restaurant / Bar

Restaurant / Bar

Restaurant / Bar

Restaurant / Bar

Restaurant / Bar

Special Use

Restaurant / Bar

Special Use

SBA

Multi-Family

Special Use

Land

Multi-Family

Multi-Family

Multi-Family

Multi-Family

Multi-Family

CALL (323)-955-4444 | RAM@THEBIGMORTGAGE.COM

CALL (323)-955-4444 | RAM@THEBIGMORTGAGE.COM

CALL (323)-955-4444 | RAM@THEBIGMORTGAGE.COM

CALL (323)-955-4444 | RAM@THEBIGMORTGAGE.COM

CALL (323)-955-4444 | RAM@THEBIGMORTGAGE.COM

CALL (323)-955-4444 | RAM@THEBIGMORTGAGE.COM

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