Products Offered: 

Conventional Loans: Credit Score: 620+ • Maximum LTV: 97% (including condos) • Fixed and ARM Products Available • Lender Paid MI Option • W2 and 1 Year Self-Employed Program • Appraisal Transfer Allowed

 

FHA: Credit Score: 580+ • Maximum LTV: 96.5% • Fixed and ARM Products Available • W2 and Self- Employed Programs • Single-Unit Condo Approval • 203(b), 203(k) and Reverse Mortgage

 

VA: Maximum CLTV : 100% • Loan Amounts up to $2,000,000 • Fixed and ARM Products Available • Purchase, IRRL, and Cash Out Refinance

 

USDA: Credit Score: 580+ • Maximum LTV: 100% • Borrower's adjusted annual income may not exceed the RD limit for the area • Owner Occupied Only

 

Foreign Nationals (Non-QM): Maximum LTV: 80% • 2 Forms of Identification • Last 2 months Bank Statements • No Income Verification

 

Jumbo: Credit Score: 600+* • Maximum LTV: 90%* • Maximum Loan Amount: $3,000,000 • Fixed and ARM Products Available • Full Doc: 2 most recent tax returns required

 

Bank Statement (Non-QM): Credit Score: 640+* • Maximum LTV: 85%* • Self Employed: 2+ years

 

Combo 1st and 2nd: Fixed or ARM conventional 1st Mortgage combined with a piggyback 2nd HELOC • Maximum CLTV: 89.99% • Maximum combined loan amount: $1,397,200 (80% LTV)

 

P&L Program (Non-QM): Credit Score: 640+* • Maximum LTV: 85%* • Self-Employed: 2+ years

 

Asset Qualifier (Non-QM): Credit Score: 600+* • Maximum LTV: 80%* • Income Calculation: Eligible assets

divided by 60

 

Full Doc/Agency Fall-Out (Non-QM): Credit Score: 600+* • Maximum LTV: 90%* • Maximum Loan Amount: $3,000,000 • Housing Event: No seasoning period if there is a single event; if multiple events, 3 years • Bankruptcy Seasoning: 12 months from discharge/dismissal • 12 month housing payment history required • Full Doc: 2 years tax returns or Alt Doc: 1 year of tax returns