NON Qualified Mortgage

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Bank Statements Loans

Min. FICO 599 Up to 90% CLTV

• Loan Amount up to $4 Million

• Max cash-in-hand $1 Million, no limit  CLTV <55%

• 30 & 40 Year Fixed, 5/6 & 7/6 ARM • 3 Months Reserves

• Gift Funds  Reserves allowed • Combination of Business and Personal Bank Statements allowed

• Mortgage History 0x60x12 • Condo up to 90% CLTV

• Condotels allowed • Temporary rate buydowns available

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DSCR Loans

Min. FICO 620Up to 80% CLTV
 Loan amounts of up to $3.5 million are available through this program.

You can receive a maximum cash-in-hand of $1 million, with no limit CLTV <55%. You can choose from a 30 - 40-year fixed rate  a 5/6 and 7/6 ARM.

No income employment verification is required, and a DSCR as low as 0 is accepted with a minimum FICO score of 680.

Non-permanent residents and foreign nationals are eligible under this program. DSCR is available under the Foreign National Program.

You can still qualify even if you have owned a property within the past 24 months.

This program is available 1-4 units, including condotels, mixed-use, and multi-family (5-8 units). The minimum borrower contribution is 20%.

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ITIN Mortgage

Min. FICO 660 and up to 80% CLTV the Super Prime program
Min. FICO 700 and up to 70% CLTV 

Loan Amounts up to $1.5 Million
You must possess a valid ITIN card  either IRS ITIN Letter and an Unexpired Government Photo ID (e.g., Driver’s license, International Passport, etc.).

Ideal  borrowers with solid credit histories, our ITIN mortgage options Super Prime make homeownership more accessible. With competitive loan-to-value ratios and substantial loan amounts, securing your dream home has never been easier.

DSCR Borrowers

Min. FICO 700 • up to 70% CLTV

Tailored those focusing on investment properties, our ITIN DSCR mortgages are perfect applicants with excellent credit. Offering attractive terms and a significant loan ceiling, this option facilitates investment in your future with ease and confidence.