In place of tax returns, you can supply 3, 12 or 24 months business or personal banks statements to qualify. 

• Credit scores starting as low as 600
• Up to 90% loan-to-value with No MI

• Loans up to $3 million with a minimum of $150,000
• 3, 12 or 24 months business or personal bank statements
• Two years seasoning for foreclosure, short sale, bankruptcy or deed-in-lieu
• Rates are 30-year fixed
• Two years self-employed required

1099 Income Loan

• Max LTV 90% with 700 score
• Max LTV 80% with 640 score
• Loans up to $3 million, Minimum loan of $150,000
• No tax returns are required
• Most recent one or two years 1099 plus year to date earning statement allowed

Investor Cash Flow Loans

• Loans up to $1.5 million, Minimum loan of $75,000
• Qualification based on property cash flow − Minimum DSCR 1.0
• No DSCR needed with minimum 700 FICO and max 75% LTV
• No personal income or employment information required
• Properties can be in LLC’s name

Platinum Jumbo Loan

Solutions for the “Just Missed” Borrower

Credit scores starting at 660

Up to 95% LTV, No MI

• Loans up to $3 million, Minimum loan of $250,000
• Four years seasoning for foreclosure, short sale, bankruptcy or deed-in-lieu
• Owner-occupied, second homes, and non-owner occupied
• Purchase and cash-out or rate-term refinance
• Full doc only

Asset Qualifier Loan

Ideal for borrowers with high net worth and significant assets

Credit scores starting at 700

Up to 75% LTV

• Loans up to $3 million, Minimum loan of $250,000
• No employment, no income, no DTI
• Rates are 30-year fixed
• Five years seasoning foreclosure, short sale or bankruptcy
• Primary residence, purchase or refinance

Prime Jumbo Loan

Solutions for the “Just Missed” Borrower

Credit scores starting at 660

Up to 90% LTV, No MI

• Loan amounts to $3 million (minimum $1 over conforming limits)
• Seven years seasoning for foreclosure, short sale, bankruptcy or deed-in-lieu
• Owner-occupied, second homes, and non-owner occupied
• Purchase and cash-out or rate-term refinance
• DTI up to 43%

Portfolio Select

A full-doc product that offers borrowers all the flexibility, features and benefits of non-QM programs

Credit scores down to 600

Up to 90% LTV with no MI

• Loans up to $2.5 million
• One year seasoning for foreclosure, short sale or deed-in-lieu
• Two years seasoning for bankruptcy
• Purchase and cash-out or rate-term refinance
• Owner-occupied, second homes, and investment properties

Foreign National

Foreign National clients can purchase an investment property in the U.S.

Maximum LTV of 70%

Maximum LTV of 65% for cash out

No Foreign or U.S. credit needed

• Minimum loan amount of $75,000
• Maximum loan amount of $1.5 million
• A DSCR program with a 1:1 ratio on cash flow
• Assets sourced and seasoned for 60 days - must be in a U.S. FDIC insured bank for a minimum of 30 days
• 12 months reserves required and must be in a U.S. bank

Agency Mortgage

Conventional Mortgage Solutions for Quick Closings

Credit scores starting at 660

Up to 95% LTV/CLTV, with MI

• Loans up to conforming limits (high balance case by case)
• Owner-occupied, second homes, investment
• Competitive pricing with quick turn times