PROGRAMS

VIEW RATES
VIEW RATES
VIEW RATES

OUR NICHES

CPA P&L ONLY

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

READ MORE

WRITTEN VOE

Max LTV 75%

No Paystubs
No W2
No Tax Returns
No 4506-T

READ MORE

NO RATIO/DSCR

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

READ MORE

ASSET UTILIZATION

Cash at 100%
Securities at 90%
Retirement at 70%
75% LTV
FICO 660
Income is – All Eligible Assets Divided by 100

READ MORE

NON PERMANENT RESIDENT ALIEN

Personal or business bank stmts.,
80% LTV
620 credit score (full doc)
Minimum Reserves 3 months required

READ MORE

2 MONTH BANK STATEMENT

12 months P&L
Max LTV 70%
680 credit score

READ MORE

FOREIGN NATIONAL

75% LTV
loans up to $ 5,000,000
Income Letters or No Income option

READ MORE

COMMERCIAL LOANS

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

READ MORE

LITE DOC PROGRAM

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

READ MORE

12/24 MONTHS BANK STATEMENTS

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

READ MORE
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 2019 office closures: 1/01, 2/18, 5/27, 7/4, 9/2, 10/14, 11/11, 11/28-29, 12/25.