Residential Loans

RESIDENTIAL LOANS

A conforming loan meets the guidelines to be sold to either Fannie Mae or Freddie Mac, two of the largest mortgage buyers in the U.S.

  • PURCHASE
  • REFINANCE
  • CASH OUT

FHA CONVENTIONAL VA USDA One time Closing

FHA

  • Gift funds allowed for down payment and closing costs

  • Cash out 80% LTV

  • Seller Concessions up to 6.00%

  • No Credit Score: 10% Down Payment

  • 500 to 579 Credit Score: 10% Down Payment

  • 580+ Credit Score: 3.5 Down Payment

VA

  • No Minimum Credit Score

  • Max LTV 100%, Zero down payment, zero out of pocket costs

  • Loan amounts vary by geographic location

  • Terms Available

  • 30-year Fixed

  • 30-year Fixed High Balance

USDA

  • No Minimum Credit Score

  • Max LTV 100%, Zero down payment, zero out of pocket costs

  • Loan amounts are determined by qualifying ratios and county

  • maximum income limits

  • Seller can pay closing costs and prepaids

  • No cash reserve requirements

CONVENTIONAL

  • Min FICO 620+

  • Max 95% LTV

  • Purchase, refinance, and cash-out refi’s

  • Terms Available

  • 15, 20, and 30-year Fixed

  • 15 & 30yr Fixed High Balance

RENTAL INCOME LOAN

RENTS TO QUALIFY
A typical Non-QM Debt Service Coverage Ratio loan allows a borrower to qualify for a mortgage based on cash flow generated from an investment property – through a rental, for example – as opposed to their personal income. A calculation generates a debt-to-income ratio and the higher the ratio, the better.

However, we recognize that not every borrower will qualify for a traditional debt-to-income loan. We know that ownership of an investment property is more than just a ratio. That is why we have introduced our DSCR loan, which allows a ratio as low as zero.


  • Minimum Credit Score 599

  • Up to 80% LTV

  • Loan amounts up to $3 million

  • Max cash in hand $1 million, no limit for LTV <55%

  • 40-& 30-year fixed, 5/1 ARM, and 7/1ARM terms

  • 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 National Program

12/24-Month Bank Statement

Borrowers should not be denied the opportunity of homeownership because they don’t meet the stringent requirements that traditional lenders require.

Our 12/24 Month Bank Statement loans are perfect NON-QM options for self-employed and high net worth individuals who are unable to document their income with tax returns. To qualify for this loan, we allow the use of 12 and 24 months of Business and Personal bank statements.


  • Minimum Credit Score 580

  • Loan amounts up to $4 million

  • Max cash in hand $1 million, no limit for

  • 3 months reserves​

  • 12 months from bankruptcy or foreclosure​

  • Combination of business and personal bank statements allowed​

Automatic Terminal Recognition

  • Qualify with enough liquid assets to cover the loan balance

  • Borrower does not have to be currently employed.

  • Only show two months of statements for qualifying account

  • 75% Max LTV Purchase

  • 70% Max LTV Refinance

  • Owner-Occupied only

  • Can use Liquid Assets

Asset Loans

Not all borrowers fit neatly into the boxes required by traditional lenders. Some borrowers are investors, self-employed, entrepreneurs, retired, or simply living off their investments.

Asset Utilization loans allow these kinds of borrowers to use their personal and business assets as a means to qualify for a home mortgage.


  • Minimum Credit Score 580

  • 80% LTV

  • Cash-out up to 75% LTV

  • Savings and checking 100%

  • Securities at 90%

  • Retirement at 70%

  • Cash out available

  • Income calculation – all eligible assets divided by 60

Non Permanent Resident

Financing for non-U.S. citizens who are authorized to live and work in the U.S. on a temporary basis. Non-permanent residents with green cards and work visas can qualify for a U.S. mortgage, even if they are not U.S. citizens.

The process for a Non-QM loan is similar to typical mortgage loan applications, but some additional documentation is required for non-permanent residents who are seeking a home loan. As a result, it is best to work with a lender who is experienced in this area.


  • Up to 70% LTV

  • Bank statements allowed

Foreign National Loans

People abroad who want to buy or refinance their property located in the United States. Our Foreign National program has a flexible, alternative documentation process with realistic guidelines which helps more borrowers to qualify.


  • Minimum Credit Score 599

  • Up to 80% LTV

  • Loan amounts up to $3 million

  • Cash-out allowed

  • DSCR as low as 0

  • CPA Letter for last 2 years & year-to-date

  • One bank reference letter

  • Overseas assets allowed as reserves

  • Gift funds allowed

P&L Only

Self-employed individuals have a more difficult time qualifying for a traditional mortgage. We offer 1-year and 2-year P&L Only loans to help them.

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.


  • FICO 580

  • Up to 85% LTV

  • Max DTI 55%

  • Loan amounts up to $4 million

  • Max cash in hand $1 million, no limit LTV < 55%

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

  • No bank statement required

  • Super Prime & Prime programs

1099

A Written Verification of Employment is a form to be completed by a borrower’s current employer to verify specific details about their employment, such as dates of hire, compensation structure (salary, bonus, commissions), and year to date earnings. This WVOE form can be used to confirm a borrower’s income.

The same is true for our 1099 Income Program. Instead of tax returns, we use the actual wages from your 1099 form as qualifying income for your new home loan. Together, the 1099 and WVOE options are ways to qualify for a Non-QM mortgage.


  • FICO 580

  • Up to 80% LTV for WVOE

  • Up to 90% LTV for 1099

  • Loan amounts up to $4 million

  • Cash out available

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

  • Investor Cash Flow

ITIN Individual Taxpayer Identification Number

  • Qualify Full Doc or 12-Month Bank Statement for SE

  • 2-year income history

  • Valid U.S. government issued ID

  • 80% Max LTV Purchase

  • 80% Max LTV Refinance

  • Loan amounts up to $1M

LOANS For US Citizens (PROPERTIES IN MEXICO)

FIXED INTEREST RATES

  • Fully amortized term up to 25 years

  • Fixed interest rate

  • 35% Down

  • No hidden fees

  • No risk ($USD originated and serviced)

  • Mortgage interest reported in the US (potential tax deductibility)
SINGLE FAMILY MANUFACURED APARTMENT CONDO 1 TO 4 MODULAR ETC

We help financial institutions, from banking and insurance to wealth.

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We help financial institutions, from banking and insurance to wealth.

Title Goes Here

We help financial institutions, from banking and insurance to wealth.

Title Goes Here

We help financial institutions, from banking and insurance to wealth.

SINGLE FAMILY MANUFACURED APARTMENT CONDO 1 TO 4 MODULAR ETC

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