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Programs

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Row view

Prime Jumbo

- 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

Full Doc NQM

- 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

12/24 Months Bank Statements

- 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

Asset Utilization

- 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

DSCR

- 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

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
- Gift Funds allowed
- Overseas Assets allowed as Reserves

1Y + 2Y CPA P&L

- 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

Lite Doc/Bridge Program

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

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 $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
April 16, 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