NON-QM

• 1-4 Family, Townhouse, Condo and Villa
• Full Doc, 12/24 Months Bank Statements, Asset Utilization, Non-Permanent Resident, Foreign Nationals, 1Y+2YR P&L Only, Lite Doc & WVOE/1099

INVESTOR CASH FLOW (DSCR)

• No Income, No Employment
• FICO to 599
• Loan Amount to $3MM up to 80% LTV
• Available to Foreign Nationals
• Investment Purchase only, 1-4 Family, Townhouse, Condo or Villa

FOREIGN NATIONAL

• No Score or FICO 599
• 70% LTV to $2MM
• Purchase, Rate & Term and Cash Out Refinance
• CPA Letter & 1 Bank Reference Letter
• Gift Funds Allowed

GOVERNMENT

• FHA/VA/USDA Purchase, Rate & Term and Cash Out Refinance
• FHA loan to $402,500 up to 96.50% LTV
• VA loan to $548,250 up to 100% LTV
• USDA loan to $548,250 up to 100% LTV
• Up to 6% Closing Costs allowed from Seller
• FICO from 620
• Gift Funds Allowed

CONVENTIONAL

• Up to 97% LTV depending on program
• Loan amount up to $548,250
• FICO from 620
• Loans for Primary, Second Homes or Investment Properties
• Gift Funds Allowed

PRIME JUMBO

• Minimum FICO 660
• Purchase, Rate & Term and Cash Out Refinance to 90% LTV
• Primary, Second Home or Investment Properties
• 15 or 30 Years Fixed Rate to $3MM
• No Mortgage Insurance Required