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Non-Prime #5

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New Super Prime Plus Program

  • The bank statements will allow for 12 or 24-month documentation and will require either a Profit & Loss or Annual earnings statement with the documentation
  • Max Loan sizes for Super Prime Plus Programs have increased to $2,500,000!!
  • Minimum FICO for the Super Prime Plus – Full Doc Program is 661 and for the Super Prime Plus – Bank Statement Program is 700
  • The Loan type 5/1 ARM and 30 Yr Fixed
  • The loan can be fully amortizing or incorporate an interest-only feature for 10 years, fully amortizing the remaining 20 years
  • The applicable states will not include Indiana for all transactions or Massachusetts or New York for investor only products as allowed in our other loan programs
  • Exceptions will be more limited in the Super Prime Plus Programs
Call to see if you Qualify 866-292-5666

Non Owner Investor Cash Flow

  • Stated, self-employed and wage earners
  • Max 75% LTV
  • Non Owner property only
  • Purchase, R/T, Cash out (max.$500k)
  • 660 Min. Fico
  • BK, Short Sale, Foreclosure or Loan Mod – Min. 2 years seasoning
  • Assets – Sourced & seasoned at least 60 days (no gift)
  • 2 year prepay
Call to see if you Qualify 866-292-5666

Prime Plus

  • Bank Statements: 24 months required – Personal or Business, ask for details.
  • Full doc or (Bank Statements – No P&L’s, No CPA LTR)
  • 660 ( Co-Borrower 640 )
  • 80% LTV
  • 50% DTI
  • 90% LTV (PURCHASE ONLY – 720 Fico – 660,000 MAX)
  • 12 Months Business Bank Statements (PURCHASE ONLY – 720 Fico)
  • Loan Amounts $1.5 Million
  • Purchase, Rate/Term Refi, Cash Out Refi
  • Owner Occupied, Non Owner Occupied and Second homes
  • Min. Loan Amount $250,000

Call to see if you Qualify 866-292-5666

Just Missed Agency

  • Full doc – Most recent paystub and one of the following: 1 year VOE or 1 year W2 or 2 years 1040’s
  • 24 month Bank Statements * reduce LTV by 5%
  • 85% LTV No MI
  • Owner Occupied / Non Owner Occupied
  • 620 (Co-Borrower 580)
  • Loan Amounts $100K – $1MM
  • Housing Event Seasoning – 2 years BK, Short Sale and Loan Mod, 3 years for foreclosure
  • 50% DTI
  • Purchase, Rate & Term, Cash Out

Call to see if you Qualify 866-292-5666

Recent Housing Event

  • No Seasoning on Foreclosure, Short Sale or Loan Mod (*BK 2 YEARS)
  • 580 – up to 80% LTV, no seasoning.
  • Full doc – Most recent paystub + 1 year VOE or 1 year W2 or 2 years 1040’s
  • 80% LTV
  • 43% DTI
  • Purchase, Rate/Term Refi, Cash Out Refi
  • Owner Occupied

Call to see if you Qualify 866-292-5666

Non QM

  • Full doc – Most recent paystub and one of the following: 1 year VOE or 1 year W2 or 2 years 1040’s
  • 500 ( Co-Borrower 500)
  • 80% LTV
  • 50%DTI
  • Owner Occupied & Non Owner
  • Purchase, Rate/Term Refi & Cash out Refi
  • Housing Event Seasoning – 1 year reduce LTV by 5% , 2 years no LTV reduction
  • Loan Amounts $750k
  • 1×30 /12, 2×30/24, 0x60x12 and 0x90x12 <70%

 

Call to see if you Qualify 866-292-5666

 

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