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Programs

Block view
Row view

Prime Jumbo

- Min. FICO 660
- Up to 89.99% LTV
- 15 & 30 Year Fixed up to $3mm
- Cash out up to 89.99% LTV
- Manual UW for over $2mm
- DU Approve/Ineligible
- No Mortgage Insurance required
- Primary, Second Home and Investment properties are allowed
- Purchase, Rate/Term Refinance and Cash Out Refinance
- Delayed financing is available up to 180 days
- No Overlays on Reserves, Credit and Tradelines – per DU
- Income as per DU

Full Doc Non-QM

- FICO 580
- 90% LTV
- Loan Amount up to $4mm​
- Max Cash in hand $1,000,000, no limit for LTV < 55%
- Cash out up to 80% LTV​
- Traditional Income​
- 2Y Credit Event allowed​
- Super Prime & Prime Programs​
- Condo up to 90% LTV​
- Condotels allowed

12/24 Months Bank Statements

- FICO 580
- 90% LTV
- Loan Amount up to $4mm​
- Max Cash in hand $1,000,000, no limit for LTV < 55%​
- 3 Months Reserves​
- 12 Months from Bankruptcy, Foreclosure​
- Mtg History 0x60x12​
- Combination of Business and Personal Bank STMTs allowed​
- Condo and condotels allowed

Asset Utilization

- FICO 580
- 80% LTV
- Cash out up to 75% LTV
- Savings and CHK. 100%
- Securities at 90%
- Retirement at 70%
- Cash out available
- Income calculation -All Eligible Assets Divided by 60
- Super Prime & Prime Programs

DSCR

- FICO 599
- Up to 80% LTV
- Loan Amount up to $3mm
- Max Cash in Hand $1,000,000, no limit for LTV <55%
- 30 Year Fixed, 5/1 ARM, 7/1ARM
- No Income, No Employment
- DSCR as low as 0
- Cash Out Proceeds may be used for Reserves
- Eligible for Non-Permanent Residents (Foreign National
DSCR is available under Foreign National Program)
- Ownership of any Property within the past 24 Months

Non Permanent Resident

- 70% LTV
- 660 Credit Score
- Bank Statements Allowed

Foreign Nationals

- No score or FICO 599
- 70% LTV
- Loan Amount up to $2mm
- Cash Out allowed
- DSCR as low as 0
- CPA Letter last 2Y & YTD
- 1 Bank Reference Letter
- Overseas Assets allowed as Reserves
- Gift Funds allowed

1Y + 2Y P&L ONLY

- FICO 580
- Up to 85% LTV
- Loan Amount up to $4mm
- Max Cash in hand $1,000,000, no limit for LTV <55%
- P&L by Licensed CPA, Enrolled Tax Agent, or Licensed Tax Preparer
- No Bank Statement required
- Super Prime & Prime Programs

Lite Doc Program

- FICO 620
- 70% LTV
- Interest Only
- No Income on 1003
- Foreign National allowed
- No Prepayment Penalty
- Fast Closing
- No Asset Seasoning
- Eligible for Non-Permanent Residents

WVOE / 1099

- FICO 580
- 85% LTV
- Loan Amount up to $4mm
- DTI 50% Max
- Cash out available
- Completed FNMA Form 1005 for 2-Year history with same employer

FHA High Balance

- Loan amount up to $765,600 depending on home location
- Available on primary residence and second/vacation homes.
- Condo financing available

FHA Streamline

- No appraisal, no income documentation required
- You must have made at least six payments on your FHA mortgage
- To qualify, you’re required to be current on your monthly loan payments

FHA

- Financing up to 96.5%
- DTI up to 55%
- No appraisal is needed to apply for streamline refinance FHA program
- Up to 6% of closing costs can be contributed by the seller

High Balance Conventional Loan

- Loan amount up to $822,375 in high-cost areas for a single unit
- Eligible for primary and second homes
- More competitive rates and easier guidelines
- Faster turn times

Home Possible

- Fixed-rate financing for easier budgeting
- Homebuyer education is required for first-time buyers

HomeReady

- Down payments as low as 3%
- FICO from 620
- Low income
- First-time or repeat homebuyers
- Homeowner education helps you understand and manage the long-term financial commitments of home ownership

Conventional

- Loan amount up to $548,250
- You may use a conventional loan to finance a property in a high-cost area
- 15, 20, 25 & 30 years fixed rate
- Down payments as low as 3% depending on your loan amount

We will call you back if you have any questions.

  • We will contact you if you have any questions

Current turnaround times

Program
Initials
Conditions
Non-QM
2 DAYS
1 DAYS
Purchase
2 DAYS
1 DAYS
Refinance
2 DAYS
1 DAYS
Clock Icon
July 28, 2021
Current date

Submission cutoff time is 3PM EST.

Any submission received after this time, will be considered received the next business day.

Upcoming 2021 office closures:
01.01; 01.18; 02.15; 05.31; 07.05; 09.06; 11.25; 12.24