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Non-Prime #3

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Non-Prime / Recent Housing Event

 

  • Credit scores as low as 500 (including jumbo loans)
  • Up to 85% LTV (purchase & R/T) w/ no MI
  • 1 day out of FC, SS, BK, or DIL
  • Up to 80% LTV (cash-out)
  • Loans up to $1 million (minimum loan $75,000)
  • Cash out for reserves OK
  • Mortgage lates are OK
  • DTI up to 50% considered
  • Limited or no tradelines OK to max 75% LTV
  • Max cash-out to $500,000
Call now to see if you Qualify 866-292-5666

 

Portfolio Select/Alt-A

 

  • Up to 90% LTV (purchase & R/T)
  • Up to 85% LTV (cash-out) w/ no MI
  • 2 years seasoning FC, SS, BK, or DIL
  • Recently discharged BK 13 to 90% LTV (if paid as agreed 24 Mos)
  • Loans up to $3 million (minimum loan $75,000)
  • Cash out for reserves OK
  • Credit scores starting at 620
  • Max 1×30 mortgage lates OK last 12 months
  • Option to qualify with assets instead of income
  • Asset Depletion program available
  • 24 months business bank statements to 90% LTV with no MI
  • 12 or 24 month personal bank statements to 90% LTV with no MI
  • Simple third party prepared expense statement required
  • 2 years seasoning FC, SS, BK, or DIL
  • No tax returns/transcripts required
  • DTI above 35/43 considered with 660+ credit score
  • Loans up to $3 million (minimum loan $150,000)
  • Quick and easy income calculation worksheet provided
  • Credit scores starting at 620 (no multi-family properties)
  • First-time homebuyers OK (subject to additional guidelines)
Call to see if you Qualify 866-292-5666

 

Bank Statement (Personal or Business)

 

  • 24 months business bank statements to 90% LTV with no MI
  • 12 or 24 month personal bank statements to 90% LTV with no MI
  • Simple third party prepared expense statement required
  • 2 years seasoning FC, SS, BK, or DIL
  • No tax returns/transcripts required
  • DTI above 35/43 considered with 660+ credit score
  • Loans up to $3 million (minimum loan $150,000)
  • Quick and easy income calculation worksheet provided
  • Credit scores starting at 620 (no multi-family properties)
  • First-time homebuyers OK (subject to additional guidelines)
Call now to see if you Qualify 866-292-5666

 

Investor Cash Flow

 

  • No personal income used to qualify
  • No limit on number of properties financed (5 with AOMS)
  • No DTI restrictions
  • Must have housing history and own a primary home
  • No employment required on application
  • 2 years seasoning FC, SS, BK, or DIL
  • Qualification based on property cash flow
  • Loans up to $1 million (minimum loan $75,000)
  • Up to 75% LTV (including cash-out)
  • Credit scores starting at 660
Call to see if you Qualify 866-292-5666

 

Foreign National

 

  • Up to 75% LTV (purchase or refinance)
  • Simple credit reference letters to satisfy trade lines
  • No US or international credit required
  • No SSN or ITIN required
  • 12 months reserves required
  • Loans up to $750,000 (higher amounts case by case)
  • Reserves can remain in foreign account
  • Minimum loan amount down to $75,000
  • Fewer country restrictions than other lenders
  • DTI up to 50% considered
Call to see if you Qualify 866-292-5666

 

Asset Qualifier

 

  • Up to 75% LTV (purchase or delayed financing)
  • 5 years seasoning FC, SS, BK, or DIL
  • Credit score of 700+ required
  • Loans up to $3 million (minimum Loan $150,000)
  • No DTI restrictions
  • Requires 60 months of recurring monthly payments post closing
  • No 4506 required
  • Must document minimum $500,000 in post closing assets
  • Primary residence only
  • Assets must be sourced/seasoned for a minimum of 12 months
Call to see if you Qualify 866-292-5666

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