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Non-Prime #1

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Welcome to our Non-Prime Offerings


Presenting “The One” Our Most Popular Loan for Self-Employed Borrowers!


The One Month Bank Statement Program 
  • Self-employed Borrowers (two year history required by (i) CPA Letter or (ii) Business License)
  • U.S. Residents
  • Income is ATTESTED to and DECLARED; Underwriter to confirm reasonable for job and compare to credit usage / history – deposits into account are not the determinant figure
  • Purchase Max LTV of 70%
  • Refinance Max LTV of 65%  (rate and term or cash out)
  • Borrowers with a minimum Credit Score of 700
  • No credit events within the last five (5) years including consumer and mortgage (minimum twenty four (24) month recent mortgage required)
  • No charge offs, collections, or tax liens
  • Maximum loan amount of $3,000,000
  • Minimum loan amount of $250,000
  • Owner-occupied transactions
  • SFR / Condo / Townhouse Property Types
  • Most recent personal account’s bank statement with no NSFs and positive ending statement
  • Closing Funds may come from the account provided for qualifying income and an Escrow Deposit Receipt is required (only one month’s statement is required for assets)
  • Reserve funds are not required
  • Loan Programs – 7/23 ARM or 30 Years Fixed
  • Cash out is unlimited, unless otherwise limited by Investor’s guidelines.
  • Secondary Financing is not allowed
  • Property must be in good condition and conform to the area
  • No rural properties
  • No first-time homebuyers
Call Now to see if you qualify 866-292-5666

Alt-A Residential

  • Rates Starting at 4.875%
  • 90% LTV with Only 24 Months Seasoning from:
    • Foreclosure
    • Short Sale
    • Bankruptcy
  • No 4506-T
  • Interest Only for Self-Employed Borrowers
  • 12 Months Bank Statements used for Income
  • $3,000,000.00 Loan Amount


  • Up to 90% LTV No PMI
  • No Foreclosure, Short Sale or BK Seasoning
  • Two years from Short Sale to 90% LTV
  • One Year from Short Sale to 85% LTV
  • $3,000,000 Loan Amounts
  • 50% DTI
  • Bank Statement for Income to 90% LTV
  • ATR-In-Full & Asset Depletion, No Income or Employment Requirement
  • No Reserves, No Prepayment Penalties

Outside of Dodd Frank – No Income Verification

  • No Reserves
  • Up to 75% LTV
  • $3,000,000 Loam Amounts
  • Interest Only Payments Available
  • No Prepayment Penalties
  • Stated Income for 1-4 Unit Properties:
    • Investment
    • Business Purpose O/O
    • Foreign Nationals
    • Cross Collateralization
    • Fix and Flips

Call now to see if you qualify 866-292-5666




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