Loan Programs - Greenbox Loans

Find Your Program

Start by selecting your property type

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Owner-Occupied

Primary residence & second homes
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Investment Property

Rental & investment properties

Owner-Occupied Programs

Primary residence and second home financing

Bank Statement Programs

For self-employed borrowers using 12 or 24 months of personal or business bank statements

Elite Plus

Elite Plus Bank Statement

Max LTV 90%
Min FICO 660
Max Loan $3.0M
Elite

Elite Bank Statement

Max LTV 90%
Min FICO 660
Max Loan $4.0M
Super Jumbo

Super Jumbo Bank Statement

Max LTV 70%
Min FICO 700
Max Loan $5.0M
Non Prime

Non Prime Bank Statement

Max LTV 80%
Min FICO 620
Credit Events 1 Day Out BK

Profit & Loss Programs

For self-employed borrowers with CPA-prepared P&L statements

Elite Plus

P&L Only (No Bank Statements)

Max LTV 85%
Documentation P&L Only
Elite Plus

P&L + 3 Month Bank Statements

Max LTV 85%
Documentation P&L + 3 Mo BS
Elite

P&L Only (No Bank Statements)

Max LTV 80%
Documentation P&L Only
Elite

P&L + 3 Month Bank Statements

Max LTV 80%
Documentation P&L + 3 Mo BS
Non Prime

P&L + 3 Month Bank Statements

Max LTV 80%
Credit Max 1x30x12

Full Documentation

Traditional W-2 or salaried borrowers with standard tax returns and paystubs

Elite Plus

Elite Plus Full Doc

Max LTV 90%
Min FICO 660
Max Loan $3.0M
Elite

Elite Full Doc

Max LTV 90%
Min FICO 660
Max Loan $4.0M
Super Jumbo

Super Jumbo Full Doc

Max LTV 70%
Min FICO 700
Max Loan $5.0M
Non Prime

Non Prime Full Doc

Max LTV 80%
Min FICO 620
Credit Events 1 Day Out BK

Alternative Documentation

Simplified income verification for unique employment situations

Elite

1-Year 1099

Max LTV 90%
Documentation 1YR 1099 Only
Elite

Asset Utilization

Max LTV 80%
Qualification 60 or 84 Month
Elite

WVOE

Max LTV 80%
Documentation Written VOE

International & Special Citizenship

Programs for ITIN and foreign national borrowers

ITIN Full Doc

Max LTV 89%
FICO No FICO Req
Max Loan $1.0M

ITIN Bank Statement

Max LTV 85%
FICO No FICO Req
Max Loan $750K

Foreign National Full Doc

Max LTV 70%
Occupancy OO/NOO
Income Foreign OK

Investment Property Programs

Financing for rental and investment properties

DSCR Programs

Qualify based on property cash flow - no personal income documentation required

Elite Plus

Elite Plus DSCR

Max LTV 80%
Min FICO 700
Max Loan $3.0M
Elite

Elite DSCR

Max LTV 85%
Min FICO 640
Max Loan $3.5M

No Ratio DSCR

Max LTV 75%
Min FICO 660
DSCR Range 0.00x - 0.99x

5-8 Unit DSCR

Max LTV 75%
Min FICO 700
Property Type 5-8 Units

ITIN DSCR

Max LTV 65%
Min FICO 660
Max Loan $750K

Foreign National DSCR

Max LTV 75%
FICO No FICO Req
Max Loan $2.5M
Min DSCR ≥ 0.75x

Specialty Financing

Leverage existing equity and specialized solutions

Closed-End Second Mortgages

Fixed-term second mortgage financing - access home equity while keeping your existing first mortgage

CES Full Doc

Max CLTV 90%
Min FICO 640
Max Loan $750K

CES Bank Statement

Max CLTV 85%
Min FICO 640
Max Loan $750K

CES P&L Only

Max CLTV 80%
Min FICO 660
Max Loan $750K

CES DSCR

Max CLTV 80%
Min FICO 680
Min DSCR ≥ 1.00x
Note No STR

Combo95 - Up to 95% CLTV

Combined first and second mortgage solution (Purchase Only)

First Lien (80% LTV)

Documentation Full Doc or Bank Statement
Position 1st Lien

Second Lien (15% LTV)

Documentation Full Doc or Bank Statement
Position 2nd Lien

Need Help Selecting a Program?

Contact our sales team for detailed guidelines, current rate sheets, scenario analysis, and pre-qualification support.

Contact Sales Team

EXPERIENCE THE GREENBOX DIFFERENCE

Tailored Loan Solutions Delivered with Speed and Precision

Discover how our customized loan programs, expert team, and swift processes come together to meet your financial needs efficiently.

FAST TURNAROUND TIME

Experience fast turnaround times with our streamlined loan process, designed for your convenience.
FLEXIBLE LOAN PROGRAMS
Greenbox offers flexible loan programs designed to meet the unique financial needs of borrowers, providing tailored solutions beyond traditional lending options.
HIGH PERFORMANCE OPS TEAM
Our Special Ops team is dedicated to delivering fast, customized loan solutions with precision and expertise, ensuring your financial goals are met with efficiency and care.

FAST TURNAROUND TIME

Experience fast turnaround times with our streamlined loan process, designed for your convenience.

FLEXIBLE LOAN PROGRAMS

Greenbox offers flexible loan programs designed to meet the unique financial needs of borrowers, providing tailored solutions beyond traditional lending options.

HIGH PERFORMANCE OPS TEAM

Our Special Ops team is dedicated to delivering fast, customized loan solutions with precision and expertise, ensuring your financial goals are met with efficiency and care.