Loan Programs

Close DSCR loans with fast turn times

• Credit for DSCR >1.25
• No income, no employment required
• Short-term rentals up to 80% CLTV
• DSCR as low as 0

A perfect fit for self-employed borrowers

• Personal, business, or combined bank statements
• Min. 3 months of reserves
• Concierge service for income calculation
• Min. FICO 620 or no score

Expand your portfolio for borrowers without an SSN

• Min FICO 660, up to 70% CLTV for Super Prime
• Min FICO 700, up to 70% CLTV for DSCR
• Loan amounts up to $1.5 million
• Max cash-in-hand $500K for CLTV >65%

The easiest alt solution for self-employed borrowers

• P&L reviewed by Licensed CPA or IRS Enrolled Agent
• Bank statements not required up to 70% LTV
• Loan amounts up to $2.5 million
• Min FICO 660

A flexible Non-QM solution for Full Doc borrowers

• Loan amounts up to $4 million
• DTI up to 55% on owner-occupied
• Min. 3 months of reserves
• Min. FICO 620 or no score

Ideal for sole proprietors or contract individuals

• 1099s for the last 1 year
• 1-year history with the same employer
• Gift funds allowed
• Loan amounts up to $4 million

For salaried borrowers with no tax returns

• Bank statements not required up to 70% LTV
• Min. 3 months of reserves
• No tax returns required
• 2-year history with same employer required

For retirees, investors, and the self-employed with liquid assets

• Qualifying assets / 60 months
• Min. 3 months of reserves
• Loan amounts up to $4 million
• 100% cash/securities, 70% retirement assets

Qualify foreign nationals for investment properties

• Loan amounts up to $3 million
• Cash-out allowed
• DSCR <1 requires min FICO 680
• Up to 70% CLTV cash-out

Qualify foreign national borrowers with overseas income

• Loan amounts up to $3 million
• Overseas assets allowed
• RON allowed
• Cash-out allowed

Large home loans for purchase or investment

• Loan amounts up to $5 million
• DTI up to 50%
• No max cash-out limits
• Income as per DU/LPA

Affordable financing with standard requirements

• Loan amounts up to $832,750
• DTI as per AUS
• Minimum down payment 3%
• LTV up to 97%

Perfect for borrowers with limited down payment

• Loan amounts up to $832,750
• DTI per AUS
• Primary residence only
• Minimum down payment 3%

Affordable option for low-to-moderate income borrowers

• Loan amounts up to $832,750
• DTI per AUS
• Cancelable MI
• Minimum down payment 3%

For properties exceeding standard conforming limits

• Loan limits up to $1,249,125 per county
• DTI per AUS
• Primary, secondary, and investment
• Minimum down payment 3%

Flexible refinance with simplified underwriting

• Reduced documentation required
• DTI per AUS
• Owner-occupied, 1-unit primary residence
• LTV up to 97%

Flexible refinance with simplified underwriting

• Reduced documentation required
• DTI per AUS
• Owner-occupied, 1-unit primary residence
• LTV up to 97%

First-time homeowners with no geo or income limits

• Loan amounts up to $832,750
• Minimum down payment 3%
• Max CLTV 105%; max LTV 97%
• Primary residence only

Qualify homebuyers with limited down payment

• Loan amounts up to $524,225
• DTI as per AUS
• LTV up to 97.75%
• Max LTV 80% for cash-out refinances

Larger loan amounts in high-cost areas

• Loan amounts up to $1,209,750
• DTI as per AUS
• Primary residence and second home
• LTV up to 97.75%

Current FHA loan refi with minimal requirements

• Min. 6 payments on current FHA loan
• Primary residence
• No appraisal for stick-built properties
• No DTI verification required

For veterans, active-duty, and eligible surviving spouses

• Loan amounts up to $2 million
• Gift funds allowed
• No down payment required
• Manufactured homes eligible

Streamlined refi for veterans and active-duty members

• Loan amounts up to $1.5 million
• No appraisal or credit underwriting required
• Primary, investment, and second home
• Manufactured homes eligible

Secure additional funding with existing equity

• Loan amounts up to $500,000
• DTI up to 50%
• Owner-occupied, second home, or investment
• No Score or FICO 680