Programs2018-11-21T14:19:50+00:00

OUR NICHES

CPA P&L ONLY

75% LTV
680 Credit Score
LTV 70%
FICO 680
2 Year and YTD P&L Certified by CPA
No Bank Statements Required

WRITTEN VOE

No Paystubs
No W2
No Tax Returns
No 4506-T

NO RATIO/DSCR

No Income on 1003
LTV 75%
FICO 620
DSCR <1.00 Standard
DSCR >1.30 Rate Reduction
Foreign Nationals

ASSET UTILIZATION

Cash at 100%
Securities at 90%
Retirement at 70%
80% LTV
FICO 660
Income is – All Eligible Assets Divided by 120

NON PERMANENT RESIDENT ALIEN

Self-Prepared P&L statements
80% LTV
580 credit score
25% ownership acceptable

2 MONTH BANK STATEMENT

12 months P&L
Max LTV 75%

FOREIGN NATIONALS

75% LTV
loans up to $ 20,000,000
Income Letters or No Income option

COMMERCIAL LOANS

LTV 65%
Interest Only
Foreign National
Finance up to 5% of closing costs
Max Loan Amt $20MM
No Lender Points

 

LITE DOC PROGRAM

10 Days to Close
Interest Only
No Income on 1003
LTV 70%
Foreign National
Finance up to 5% of closing costs

 

12/24 MONTHS BANK STATEMENTS

Business and Personal
90% LTV
FICO 560
Self-Prepared P&L on Business Bank Stmts.
100% Deposits Accepted

PROGRAM INITIALS CONDITIONS
Non-QM Owner Occupied 48 Hours 24 Hours
Non-QM Investment Foreign Nationals 48 Hours 24 Hours
Non-QM Investment US Citizen 48 Hours 24 Hours
Lite Doc 48 Hours 24 Hours
**Submission cutoff time is 3PM EST. Any submission received after this time, will be considered received the next business day. ** Upcoming 2018 office closures: 1/01, 5/29, 7/4, 9/4, 11/23-24, 12/25.