More Loan Options
We can accommodate for many different loan scenarios to make it easier for you to be approved for a loan.
Efficient Processing
Having many years of combined experience, we have perfected the process of qualifying for loans.
Reliable Team
With a more reliable team by your side, we have the right knowledge on underwriting guidelines & loan programs.
Available Loan Programs
We have plenty of different loan programs!
- FHA and Conventional Mortgage Loans
- Private Loans and Hard Money Loans
- Bank Statements and 1099 Income loans
- Profit & Loss + Non-Doc Loan Programs
- Renovation & Home Improvement Loans
- HELOC and Home Equity Loans
- DSCR Investor Loans and WVOE Loans
FHA Loan Program
– 580 FICO Minimum
– DTI per AUS (Automated Underwriting)
– Loan Amounts per county limits First Time Homebuyer OK
– Homeowner Education (at least one borrower) required
– Non-Occupying Co-Borrowers Allowed
No-Docs Loan Program
– LOANS: up to $5 million
– No Income Doc, No Asset Doc
– Can work with lower credit scores
– No tax returns needed
– Non-Warrantable Condo Allowed
– Primary residence, second home, or investment property
Bank Statements Loan
– Loan amounts up to $3 million
– 600 Minimum FICO
– Up to 90 % LTV (loan-to-value)
– 12/24 Months Bank Statements
– + 3 months reserves
– Good for self-employed and business
owners
HELOC / HE Loans
– Maximum Credit Line: Up to 500,000
(for well-qualified borrowers)
– Credit Score: as low as 620
– Borrower up to 95% LTV
– Draw Period: 10 years
– Interest-only payments during the 10-year draw period;
– Principal and interest payments during the 20-year repayment period
– Property Type: 1-4 Unit, Fee Simple, Condo, Townhouse, PUD
WVOE MORTGAGE LOANS
– Loan amounts up to $3.5M
– Minimum credit score as low as 580
– Up to 96.5% LTV on with min. 620 FICO
– Up to 90% LTV on with min. 580 FICO
– Borrower must be a W2 employee for at least 2 years with the same company
– Debt-to-income ratio up to 55%
– PMI required if loan is over 80% LTV
– Cash out up to 80% + 100% Gift Allowed
– All occupancy types (primary residence, second home, or investment property)
DSCR Investor Loans
– Loan amounts up to $2.5M
– FICO 620 / Up to 80% CLTV
– YES to Real estate investors
– Loan amounts up to $2.5 million
– Max cash-on-hand $1 million, no limit for CLTV at 55%
– 40 & 30-year fixed, 5/6 ARM, & 7/6 ARM
– No income or employment verification
– DSCR as low as 0
– Proof of ownership of any property within the past 24 months