DSCR

Min. FICO 620 Up to 80% CLTV

Close DSCR loans with fast turn times

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

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12/24 Month Bank Statement

No Score or FICO 620 Up to 90% CLTV

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

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ITIN

Min. FICO 660 Up to 70% CLTV

Expand your mortgage portfolio for borrowers without an SSN

• Min FICO 660 and up to 70% CLTV for Super Prime
• Min FICO 700 and up to 70% CLTV for DSCR 
• Loan amounts up to $1.5 million 
• Max cash-in-hand $500,000 for CLTV >65%, $1,000,000 for CLTV ≤65% to ≥55%, no max cash-in-hand limitation for CLTV <55%

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Freddie Mac HomeOne

FICO per AUS Up to 97% LTV

A perfect fit for first-time homeowners with no geo or income limits

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

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Conventional Standard

Min. FICO 620 Up to 97% CLTV

An affordable financing option with standard requirements

• Loan amounts up to $832,750
• DTI up to 50%
• Minimum down payment 3%
• LTV up to 97%

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Fannie Mae HomeReady

Min. FICO 620 Up to 97% CLTV

The perfect fit for borrowers with limited down payment capabilities

• Loan amounts up to $832,750
• DTI up to 50%
• Primary residence
• Minimum down payment 3%

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AD Power Jumbo

Min. FICO 660 Up to 89.99% CLTV

A great fit for borrowers in search of 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

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VA Standard

Min. FICO 580 Up to 100% CLTV 

A loan solution for veterans, active-duty service members, and their eligible surviving spouses

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

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VA IRRRL

Min. FICO 580 Up to 110% CLTV 

A streamlined refinance option for veterans and active-duty service members 

• Loan amounts up to $1.5 million
• No appraisal or credit underwriting required 
• Primary residence, Investments, Second Home
• Manufactured homes

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FHA Standard

Min. FICO 580 Up to 97.75% CLTV

Qualify homebuyers with limited down payment capabilities

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

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Second Mortgage

No Score for FN or FICO 680 Up to 90% CLTV

A solution to 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

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