Products

Bank Statement

Help your clients qualify without a tax return

• Loan amounts up to $4Mil, Refis up to $3Mil
• 12- and 24-month bank statements option
• Gift funds allowed
• Cash out can be used for reserves
• We can go up 80% LTV cash out
• First Time Home Buyer allowed
• 40 YR I/O term available
• Transferred appraisals allowed
• Maximum LTV 90% purchase

DSCR

Assist your real estate investor clients easily grow their portfolios

• Loan amounts up to $3.5Mil, Refis up to $2Mil
• No income no employment
• Cash out for business purpose is allowed up to 75%We can go up 80% LTV Purchase
• First time investors are allowed with restrictions.
• Gift Funds Allowed
• 40 YR I/O Term Available

Full Doc

Your clients can reach higher loan limits with our full doc Jumbo loan program

• Rates start at 5.875% 7/6 SOFR
• Owner-Occupied
• LTV up to 90%
• Loan amounts up to $4,000,000
• We can go up 85% cash out
• DTI up to 50%
• 40 YR I/O Term available
• Fast closing turn-time

1099 Loans

• Only requires 1 or 2 1099s + a paystub/bank statements showing YTD earnings
• Assumes a low 10% business expense factor
• Gift funds allowed.
• 640 FICO + ,2 FICOs allowed
• Fast closing turn times
• Fixed, ARM, and I/O options available
• Cash-out can be used as reserves

DSCR (5-8 Units or 2-8 Mixed Use)

• Loan amounts up to $2MM
• Max cash-out up to $1MM
• Commercial, restaurant and office space are allowed.
• LTV up to 75% for purchase and 70% for Cash out.
• Foreign Nationals is okay.

VA Loans

• Cash-out up to 100% LTV
• Minimum 500 Fico
• VA Interest Rate Reduction Refinance available  
• AUS Approve, Accept/Eligible or Refer/Eligible with manual underwrite
• Rental income allowed per guide

Freddie Mac

• Up to 97% LTV
• Minimum 620 FICO
• High balance available
• HomeReady & HomePossible
• 1 FICO score can be eligible
• Non-Permanent Resident Aliens allowed

DPA CalHFA Conventional

• Follows conforming county loan limits
• DTI up to 50%
• Credit Scores down to 680
• LTV to 97% and CLTV to 105%

Fannie Mae

• Up to 97% LTV
• Minimum 620 FICO
• High balance available
• HomeReady & HomePossible
• 1 FICO score can be eligible
• Non-Permanent Resident Aliens allowed
• DACA borrowers allowed

ITIN Loans

• LTV/CLTV up to 85%
• DTI up to 55%
• Double-wide Manufactured Home is okay.
• Non-Warrantable Condo
• 12- or 24-Month CPA PnL

Home Equity Loans

• Loan amount up to $550,000
• Credit Scores as low as 660
• CLTV up tp $2,000,000
• Condo/Townhomes/Modular OK
• Only 2 FICO`s OK

BFF DPA

• FHA 100% FINANCING (96.5% 1st, 3.5% 2nd)
• Fast In-house Underwriting
• No First Time Homebuyer requirement
• 600 FICO Okay
• Up to 2-units
• Follows FHA Guidelines and AUS approval
• Manufactured homes Okay
• 6% Seller credits allowed for closing costs

Foreign National Loans

• Rates starting at 7% (Fixed and ARM)
• Loan amounts up to $2mil
• LTVs up to 75%, cash-outs to 70%
• Foreign credit okay, as little as 2yrs BK/FCL/Mod seasoning
• Condotels allowed
• First-time investors allowed for DSCRs

Profit & Loss Statement

• 24 – 0r 12-months CPA,EA,CTEC
• 75% (R/T) and 70% (Cashout)
• Tax Attorney prepared Profit & Loss Statement Only
• Max Loan Amount $2.5 MM
• Minimum Fico 680