Programs

• FICO 660
• Up to 85% CLTV
• Loan amounts up to $3 million
• Max cash-on-hand $1 million, no limit for CLTV < 55%
• DTI up to 55%
• 30 & 40 Year Fixed, 5/6 & 7/6 ARM
• Traditional income
• 2-year credit event allowed
• Super Prime & Prime programs
• Condos up to 85% CLTV
• Condotels up to 70% CLTV
• NY up to 85% CLTV

• No Score or FICO 660
• Up to 85% CLTV
• Loan amounts up to $3 million
• Max cash-on-hand $1 million, no limit for CLTV < 55%
• 30 & 40 Year Fixed
• 3 months reserves
• Gift Funds for reserves allowed
• 12 months from bankruptcy or foreclosure
• Mortgage history 0 x 60 x 12
• Combination of business and personal bank statements allowed
• Condo and condotels allowed

• FICO 660
• Up to 80% CLTV
• Cash-out up to 75% CLTV
• Savings and checking 100%
• Securities at 100%
• Retirement at 70%
• Income calculation - all eligible assets divided by 60
• Super Prime & Prime programs

• FICO 660
• Up to 80% CLTV if DSCR > 1.00
• Up to 75% CLTV if DSCR is .075-1.00
• Up to 70% CLTV if DSCR <0.75
• Loan amounts up to $2.5 million
• Max cash-on-hand $1 million, no limit for CLTV <55%
• 40- & 30-year fixed
• No income or employment verification
• DSCR as low as 0
• Eligible for Non-Permanent Residents and Foreign Nationals
• DSCR is available under Foreign National Program
• Ownership of any property within the past 24 months
• 1-4 Units, Condotels allowed

• FICO 660
• Up to 85% CLTV
• Bank statements allowed

• No score or FICO 660
• Up to 70% CLTV
• Loan amounts up to $2 million
• Cash-out allowed
• DSCR as low as 0
• DSCR available under FN DSCR Program
• CPA Letter for last 2 years & year-to-date
• One bank reference letter
• Overseas assets allowed as reserves
• Gift funds allowed

• No Score or FICO 660
• Up to 85% CLTV on 2Y and up to 80% CLTV on 1Y
• Max DTI 55%
• Loan amounts up to $3 million
• Max cash-on-hand $1 million, no limit CLTV < 55%
• P&L by Licensed CPA, Enrolled Tax Agent, or Licensed Tax Preparer
• No bank statement required
• Super Prime & Prime programs

• FICO 580
• Up to 70% CLTV
• Interest Only
• No Income on 1003
• Foreign National allowed
• No prepayment penalty
• Fast closing
• No asset seasoning
• Eligible for Non-Permanent Residents

•• No Score or FICO 660
• Up to 80% CLTV for WVOE
• Up to 85% CLTV for 1099
• Loan amounts up to $3 million
• DTI 55% Max
• Cash out available
• Completed FNMA Form 1005 for 2-year history with the same employer

- Designed for lower-income families
- Limited to owner-occupied, 1-unit primary residence financed through Fannie Mae or Freddie Mac
- Lowers interest rate by 0.5% and monthly payment by at least $50
- FICO 620
- Up to 97% LTV
- Income at or below 80% of the area median income (AMI)
- Maximum DTI 65%
- Borrower will receive $500 credit at closing if they have an existing appraisal
- Roll up to $5,000 in closing costs for those with limited cash to close. Cash-out limited to $250
- Reduced documentation requirements

- Designed for lower-income families
- Limited to owner-occupied, 1-unit primary residence financed through Fannie Mae or Freddie Mac
- Lowers interest rate by 0.5% and monthly payment by at least $50
- FICO 620
- Up to 97% LTV
- Income at or below 80% of the area median income (AMI)
- Maximum DTI 65%
- Borrower will receive $500 credit at closing if they have an existing appraisal
- Roll up to $5000 in closing costs for those with limited cash to close. Cash-out limited to $250
- Reduced documentation requirements

- FICO 660
- Up to 89.99% HCLTV
- 30-Year fixed up to $3 million
- Cash out up to 80% HCLTV
- Manual UW for over $2 million
- DU Approve/Ineligible
- No mortgage Insurance is required
- Primary, second home, and investment properties are allowed
- Purchase, rate/term refinance, and cash-out refinance
- Delayed financing is available up to 180 days
- No overlays or reserves, credit, and tradelines – per DU
- Income as per DU

- Loan amounts up to $765,000 depending on home location
- Available on primary residence and second/vacation homes
- Condo financing available

- No appraisal and no income documentation are required
- You must have made at least six payments on your FHA mortgage
- To qualify, you’re required to be current on your monthly loan payments

- Financing up to 96.5%
- DTI up to 55%
- No appraisal is needed to apply for the streamline refinance FHA program
- Up to 6% of closing costs can be contributed by the seller

- Loan amounts up to $970,800 in high-cost areas for a single unit
- Eligible for primary and secondary homes
- More competitive rates and easier guidelines
- Faster turn times

- Fixed-rate financing for easier budgeting
- Homebuyer education is required for first-time buyers

- Down payments as low as 3%
- FICO 620
- Low income
- First-time or repeat home buyers
- Homeowner education helps to understand and manage the long-term financial commitments of homeownership

- Loan amounts up to $647,200
- A conventional loan can be used to finance a property in a high-cost area
- 15-, 20-, 25- & 30-year fixed rate
- Down payments as low as 3% depending on loan amount