For borrowers who fall just outside standard Agency, FHA/VA, and Prime Jumbo guidelines 

 
 

PRODUCT FEATURES

  • Fixed: 30yr, 30yr IO, 40yr IO

  • ARM: 5/1, 7/1 (IO available on both) QM & NonQM, all ATR Compliant

  • Loan Amounts: $100M to $2.5MM

  • DTI up to 50%

  • Cash-Out options

  • No housing delinquencies in last 12 months, 4 yrs since FC/SS/DIL and BK

 
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RESIDENCES

PRIMARY HOME

  • Max LTV/CLTV: 90%

  • Max Loan Amt: $2.5MM

  • Min FICO: 661


SECOND HOME

  • Max LTV/CLTV: 80%

  • Min FICO: 680

  • Max Loan Amt: $2MM 

INVESTOR RESIDENCE

  • Max LTV/CLTV: 75%

  • Min FICO: 680

  • Max Loan Amt: $1.5MM

 

 

TARGET BORROWER

  • Min FICO: 661

  • Max DTI: 50%

  • Eligible: U.S. Citizens, First Time Home Buyer, Permanent Resident Aliens, Inter-Vivos Revocable Trusts

 

FINANCIALS

  • Personal and business bank statement options available

  • Asset utilization

  • Express Doc (1-Year Tax Return)

  • Reserves: minimum 3 months