Primary residence and second home financing

Owner-Occupied 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

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 Plus

P&L Only (No Bank Statements)

Max LTV 80%
Documentation P&L Only
Non Prime

P&L + 3 Month Bank Statements

Max LTV 85%
Credit Max 1x30x12
Elite

P&L + 3 Month Bank Statements

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

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

Super Jumbo

Super Jumbo Full Doc

Max LTV 70%
Min FICO 700
Max Loan $5.0M
Elite

Elite Full Doc

Max LTV 90%
Min FICO 660
Max Loan $4.0M
Non Prime

Non Prime Full Doc

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

Elite Plus Full Doc

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

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

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

Financing for rental and investment properties

Investment Property 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 u2265 0.75x

Leverage existing equity and specialized solutions

Specialty Financing

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 u2265 1.00x
Note No STR

Combined first and second mortgage solution (Purchase Only)

First Lien (80% LTV)

Max LTV 80%
Documentation Full Doc or Bank Statement
Position 1st Lien

Second Lien (15% LTV)

Max LTV 15%
Documentation Full Doc or Bank Statement
Position 2nd Lien