Programs

1Y or 2Y Full Doc Non-QM

Min. FICO 620 Up to 90% CLTV

Our Full Doc Non-QM loans are a perfect solution for small business owners, investors, or other self-employed individuals who believe they may not qualify for a traditional agency loan.

Program features
  • Loan amounts up to $4 million
  • DTI up to 55%
  • Max cash-in-hand $1 million, no limit for LTV < 55%
  • Condos up to 90% CLTV, condotels up to 75% CLTV, NY up to 90% CLTV
  • 30 & 40-year fixed
Why choose our 1Y or 2Y Full Doc Non-QM?
  • ITIN allowed
  • 1 year credit event allowed
  • Temporary rate buydowns available
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Program details

Loan amounts up to $4 million
DTI up to 55% on owner-occupied 
3 months of reserves
Min FICO 620 
Up to 90% СLTV purchase / Up to 80% СLTV cash-out 
Owner-occupied, second home, and investment properties 
Max cash-in-hand $1 million, no limit for LTV < 55% 
2 or 1 year traditional full documentation income 
Gift funds are allowed (borrower contribution required under 80% CLTV: OO - 0%, Inv - 20%; over 80% CLTV: OO - 5%, Inv - NA) for down payment, closing costs, and reserves
0x30x12 and 0x90x24 for Super Prime, 0x60x12 for Prime 
24 months out of credit event for Super Prime, 12 months out of credit event for Prime 
SFR, townhomes, condo warrantable/non-warrantable, condotel, 2-4 units (not available for 2nd home), PUD, SFR rural, manufactured housing, short-term rentals, leasehold 
30 & 40-year fixed, 5/6 & 7/6 ARM 
120 months of I/O period, 240/360 months of amortization, qualified at amortized PITIA payment after I/O period, IO product not allowed in IL 
US citizenship, Permanent & Non-Permanent Resident, ITIN
Individuals, LLCs/Corp without a hit 
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Fast turnaround times

Disclosure

24 hours

Underwriting

24 hours

Conditions

24 hours

Closing

24 hours

24 hours

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