Product Fast Facts

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Bank Statement Loan

To qualify for this loan, our lending partner allows the use of 12 and 24 months of business or personal bank statements for income rather than tax returns.

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Program Highlights

• FICO 580+

• Up to 90% LTV

• 30 Year Fixed and ARM Options

• Loan amounts up to $4 million

• 12 months removed from bankruptcy or foreclosure

• A combination of business and personal bank statements allowed

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Investment Property Loan

 An investment property loan allows a borrower to purchase or refinance a property without any sort of income (no employment, no tax returns, W2s, or paystubs). This loan is based on the rental income generated from an investment property rather than your personal/business income.

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Program Highlights

• FICO 599+

• Up to 80% LTV

• Loan amounts up to $3 million

• 30 Year Fixed and ARM Options

• No income or employment verification

• DSCR as low as 0

• Cash-out proceeds may be used for reserves

• Eligible for Non-Permanent Residents and Foreign Nationals

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Profit & Loss Program

With our lending partners, P&L Programs, borrowers can qualify for a loan based on the strength of their business’s Profit & Loss (P&L) statement only. No bank statements are required.

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Program Highlights

• FICO 580+

• Up to 85% LTV on 2 Year P&L

• Up to 80% on 1 Year P&L

• 30 Year Terms and ARM Options

• Max DTI 55%

• Loan amounts up to $4 million

• P&L by Licensed CPA, Enrolled Tax Agent, or Licensed Tax Preparer

• No bank statements required

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Fix N Flip Loan

Our lending partners' Fix N Flip loans are perfect for investors looking to fix and flip a home.

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Program Highlights

• Up to 90% LTV

• Up to 100% of renovation/rehab costs

• Interest only, 12-24 month terms

• Fully amortized – interest stops when the loan is paid in full

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1099/WVOE Programs

Our lending partner uses the actual wages from your 1099 form as qualifying income for your new home loan. Alternatively, we offer a Written Verification of Employment (WVOE) Program as well.

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Program Highlights

• FICO 580+

• Up to 80% LTV for WVOE

• Up to 90% LTV for 1099

• Loan amounts up to $4 million

• DTI 55% Max

• Cash out available

• Completed FNMA Form 1005 for a 2-year history with the same employer

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Non-Permanent Resident Program

Our lending partner specializes in home loans for non-U.S. citizens who are authorized to live and work in the U.S. temporarily.

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Program Highlights

• FICO 620+

• Up to 90% LTV

• 30 Year Terms

• Bank statements allowed

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Foreign National Program

Our lending partners Foreign National Program, helps international borrowers purchase or refinance U.S. property with flexible, documentation-light guidelines.

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Program Highlights

• No FICO score required

• Up to 80% LTV

• 30 Year Terms

• Loan amounts up to $3 million

• Cash-out allowed

• Debt service coverage ratio as low as 0

• CPA Letter covering the last 2 years & year-to-date

• One bank reference letter

• Overseas assets allowed as reserves

• Gift funds allowed

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Asset Utilization Home Loan

Asset Utilization home loans allow borrowers to use their assets as a means to qualify for a home loan. Whether you are an investor, self-employed, an entrepreneur, retired, or simply living off investments, this program allows you to qualify.

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Program Highlights

• FICO 580+

• Up to 80% LTV

• Cash-out up to 75% CLTV

• Savings and checking 100%

• Securities at 90%

• Retirement at 70%

• Cash out available

• Income calculation – all eligible assets divided by 60