Specialty Products
Homeownership Empowerment Program
-
Up to 96.5% LTV
-
<580 & No Score Options Available
-
Self-Employed: P&L + Bank Statements
-
Asset Qualification
-
1099 + Bank Statements
-
Experienced and First-Time Homebuyers Accepted
-
Homebuyers with <12-Months / Rent-Free Accepted
-
ITIN/DACA/Non-Perm & TPS Eligible
-
Max 50/60 DTI
-
1-Day Bankruptcy Seasoning
-
Available in 49 States
Down Payment Assistance
-
101.5% Financing
-
No Borrower Down Payment Required
-
No Income Limits or Restrictions
-
Credit Scores Down to 580
-
Manual Underwrites Allowed
-
Non-Occupant Co-Borrowers Allowed
Non-QM Products
90% LTV Non-QM
Consumer/Business Purpose Full & Alt Doc
-
80% LTV WVOE Only ​
-
Consumer & Business Purpose Alt Doc Available
-
Credit Scores Down to 660
-
Reserve Requirements as Low as 3-Months
-
Loan Amounts Up to $3,000,000
-
First-Time Homebuyer Allowed Up to $2,000,000
DSCR
ITIN/Foreign National/Manufactured Home/Short-Term Rental
-
Up to 85% LTV Available
-
Credit Scores Down to 640
-
ITIN and Foreign National DSCR Available
-
Manufactured Housing DSCR Allowed
-
No Ratio DSCR Allowed
-
Short Term DSCR to .75
ITIN and Low FICO Non-QM Consumer/Business Purpose Full & Alt Doc
-
Up to 90% LTV Available
-
Credit Scores Down to 640
-
ITIN All Occupancies Accepted
-
Loan Amounts up to $3,000,000
-
Rural Properties Accepted
-
First-Time Homebuyer Allowed up to $2,000,000
