Specialty Products
Homeownership Empowerment Program
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Up to 96.5% LTV
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<580 & No Score Options Available
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Self-Employed: P&L + Bank Statements
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Asset Qualification
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1099 + Bank Statements
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Experienced and First-Time Homebuyers Accepted
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Homebuyers with <12-Months / Rent-Free Accepted
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ITIN/DACA/Non-Perm & TPS Eligible
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Max 50/60 DTI
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1-Day Bankruptcy Seasoning
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Available in 49 States
Down Payment Assistance
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101.5% Financing
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No Borrower Down Payment Required
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No Income Limits or Restrictions
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Credit Scores Down to 580
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Manual Underwrites Allowed
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Non-Occupant Co-Borrowers Allowed
Non-QM Products
Flexible Income Solutions
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Loan amounts up to $3,500,000
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No Seasoning on Cash Out
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2/1 buydowns available
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FTHB Accepted
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Rent Free Borrowers Accepted
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Qualify using score of primary income earner
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Recently Listed Properties Accepted
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Rental income from ADU Accepted
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New Build Condos only 25% conveyed Accepted
Bank Statement Lending
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Loan Amounts up to $3,500,000
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Consumer Purpose Up to 90% LTV
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Non-DSCR Business Purpose options to 85% LTV
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FTHB accepted up to $2,000,000 & 80% LTV
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Use Cash-out as Reserves
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Qualify on properties up to 20 acres
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Rural Properties Accepted
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Manufactured Homes Allowed
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40-year Fixed and Interest-Only Options Available
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Cash-Flow Based Loans
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Loan Amounts up to $3,500,000
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FTHB DSCR up to $2,000,000
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2/1 Buydown with IO (qualify for more w/ ITIA)
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100% Gift funds allowed
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No Seasoning on Cash-Out
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Use Highest of all mid scores
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Use Higher of Lease vs Market Rents
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Vacant properties permitted on Refinances
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Properties listed for sale are acceptable
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Rental income from ADU accepted
Expanded Flexibility Business Purpose
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Business Purpose Full & Alt Doc Options Available
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Loan Amounts up to $3,000,000
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Up to 85% LTV on Purchase & R/T Refi
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Short-Term Rentals Allowed (Airbnb, VRBO)
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ITIN Borrowers Welcome
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Manufactured Homes Allowed
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Foreign Nationals Accepted
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DSCR products qualify off Higher of Lease or 1007
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SFR with more than 1 ADU permitted
Credit Access for ITIN Buyers
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Owner-Occupied, 2nd Home, and Investment Properties
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Income Types: Full Doc, 1-Yr 1099, Asset Depletion, 1-Yr P&L, 1-Yr P&L + Bank Statements, WVOE, 12-Month Bank Statements
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Loan Amounts up to $2,000,000
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No SSN Required for ITIN Borrowers
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Qualify FULL DOC without Paystubs or W2s using WVOE & 2 months bank statements
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FTHB Accepted
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Non-Occupant Co-Borrowers Accepted
Traditional Products
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Simplified Underwriting with FHA EZ
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No FICO Accepted
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Credit Scores Down to 500
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Manual Underwrites Allowed
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Manufactured Housing Allowed
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2-1 Buydowns Allowed
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100% Financing
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No Borrower Down Payment Required
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Credit Scores Down to 550
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Non-Traditional Credit Accepted
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Manufactured Housing Allowed
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Manual Underwrites Allowed
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100% Financing
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No FICO Accepted
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Credit Scores Down to 500
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Cash-Out > 90% LTV Allowed
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Joint & Dual Entitlement Loans Eligible
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Loan Amounts Down to $50,000
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97% Financing
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Credit Scores Down to 620
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Non-Occupant Co-Borrowers Allowed
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Manufactured Housing Allowed
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2-1 Buydowns Allowed
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Loan Amounts Down to $50,000