- Flexible & Common Sense Underwriting
- No Appraisal Required
- Trust, LLC, LLP & Corp Financing
- Stated Programs Available
- Loan Amounts $200K - $100M+
- No Fico Minimum
- Current NOD/NOS/BK = OK
- Unlimited Mortgage Lates/Cash-Out OK
- Funding As Quickly As 3 Days
- Commercial Hard Money
- RATES AS LOW AS 10.25%
- FEES STARTING AT 2.50 PTS
- NO PREPAY
AGENCY CONFORMING UP TO
$417,000
- Purchase/Rate Term 95% LTV with 680 FICO
- Purchase/Rate Term 95% LTV Second Home with 680 FICO
- Purchase/Rate Term 90% LTV Investment with 660
FICO
EA Levels l & ll UP TO
$417,000
- Purchase/Rate Term 95% LTV with 680 FICO
- Purchase/Rate Term 95% LTV Second Home with 680
FICO
JUMBO CONFORMING UP TO $729,750
- Purchase/Rate Term 90% LTV with 700 FICO
- Limited/Cash Out 90% LTV with 700 FICO
- Purchase 60% LTV Second Home/Investment with 660 FICO
Verbal Verification Only Program up to $417,000
- Purchase/Rate Term 90% LTV
- Cash Out 80% LTV
- Product is Risk-based
- Must Receive 7.0 DO/DU FINDINGS
- No Rental Income Allowed
- Typically 700+
- Typically W-2 vs. Self-Employed
FHA Program & Features
Available products:
- 30-year Fixed
- 3/1 ARM
- FHA 95% Cash-Out / 85% on loans over $417,000
- FHA Streamline
- FHASecure
Features:
- Owner Occupied properties
- Property types: 1, 2, 3 and 4 unit properties
- Condominiums
- Full Documentation
- 3% down payment required
- No cash reserve requirement for 1 and 2 unit properties
- Ratios: 31/43
- Up to 6% seller contribution
- Cash out Refinance available up to 95%
