- DU Approve/Ineligible
- Min FICO 660
- Up to 89.99% LTV
- 30 year fixed up to $2mm
- No Mortgage Insurance required
- Primary, Second Home and Investment properties are allowed
- Available for Purchase, Rate/Term Refinance and Cash-Out Refinance
- Delayed financing is available up to 180 days
- No Overlays on Reserves – refer to DU
- No Overlays on Credit and Tradelines – refer to DU
- Income as per DU

- Traditional Income
- Loan Amount up to
$3mm
- Max Cash in hand
$1,000,000
- 90% LTV
- FICO 580
- Condo 80% LTV
- Cash out up to 80% LTV
- 2Y Credit Event allowed
- Super Prime & Prime
Programs

- Loan Amount up to $3mm
- Max Cash in hand $1,000,000
- 90% LTV
- FICO 580
- 50% expense ratio or
expense ratio provided by CPA/Tax Preparer
- Cash out up to 80% LTV
- Super Prime & Prime
Programs
- Business or personal Bank STMTs

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

- No Income, No Employment
- 80% LTV
- FICO 599
- DSCR as low as 0
- 30 Year Fixed, 5/1 ARM, 7/1ARM
- Loan Amount up to $3mm
- Max Cash in hand $1,000,000
- Cash out proceeds may be used for Reserves

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

- 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
- Gift Funds allowed
- Overseas Assets allowed as Reserves

- 1Y P&L by Licensed CPA, Enrolled Tax Agent, or Licensed Tax Preparer
- No Bank Statement required
- Loan Amount up to $3mm
- Max Cash in hand $1,000,000
- 75% LTV
- FICO 580
- Super Prime & Prime Programs

- FICO 620+
- Fast Closing
- Interest Only
- No Income on 1003
- LTV up to 70%
- Foreign National allowed
- No Prepayment Penalty
- No Asset Seasoning

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

- Loan amount up to $765,600 depending on home location
- Primary residence, second/vacation home and investment property options
- Condo financing available

- 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

- 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

- 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

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

- 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

- 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