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Asset Utilization

As the economic landscape in this country has evolved in recent years, more people have forged unique financial niches for themselves. No longer is it the status quo for Americans to rely on traditional employment or easily quantifiable sources of income. More people have retired, become self-employed, become entrepreneurs, or have found innovative ways to live off of various investments.​

Program highlights:

  • 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

We will call you back if you have any questions.

  • We will contact you if you have any questions

Other Programs

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- 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

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

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