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Programs

Block view
Row view

Prime Jumbo

- Full Documentation
- Primary residence, Second home & Investment
- 80% LTV
- 700 FICO
- Cash out allowed up to 80 LTV

Full Doc NQM

- Traditional Income Docs
- Loan amount up to $3mm
- 90% LTV
- 599 FICO
- Condo 80% LTV
- Cash out up to 70% LTV
- Super Prime & Prime Access Programs


12/24 Months Bank Statements

- Business and Personal
- Loan amount up to $3mm
- 90% LTV
- 599 FICO
- 100% Deposits Accepted
- 50% expense ratio or expense letter from CPA/Tax preparer
- Cash out up to 70% LTV
- Super Prime & Prime Access Programs

2 Months Bank Statements

- 2 Months Bank Statements to Support 1 year CPA P&L income
- Loan amount up to $3mm
- 75% LTV
- 599 FICO
- Super Prime & Prime Access Programs

Asset Utilization

- Cash at 100%
- Securities at 90%
- Retirement at 70%
- 75% LTV
- FICO 599
- Cash out available
- Income calculation – All Eligible Assets Divided by 100
- Cash out up to 70% LTV
- Super Prime & Prime Access Programs

DSCR

- No income
- 80% LTV
- FICO 660
- DSCR > 0.75
- Foreign Nationals

Non Permanent Resident

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

Foreign Nationals

- 65% LTV
- DSCR ≥ 0.75
- Loans up to $2,000,000
- CPA Letter or Employment Letter
- No Income Option
- 2 Credit reference letter
- No Credit Score or 680 FICO

2Y CPA P&L

- 2Y P&L prepared by CPA or Enrolled Tax Agent or Licensed Tax Preparer
- 80% LTV
- 599 FICO
- DTI 50%
- Cash out up to 70% LTV

Lite Doc/Bridge Program

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

WVOE / 1099

- 599 FICO
- 80 LTV
- Completed FNMA Form 1005 for 2 year history with same employer
- Cash out available
- Max LA $3mm

FHA High Balance

- Loan amount up to $765,600 depending on home location
- Primary residence, second/vacation home and investment property options
- 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 56.99%
- 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 $765,600 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 $510,400
- You may use a conventional loan to finance a property in a high-cost area
- 15 & 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
3 DAYS
3 DAYS
Purchase
3 DAYS
3 DAYS
Refinance
3 DAYS
3 DAYS
Clock Icon
October 25, 2020
Current date

Submission cutoff time is 3PM EST.

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

Upcoming 2020 office closures:
01.01; 01.20; 02.17; 05.25;  07.03;  09.07;  11.26; 12.25