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Non-Prime/Self-Employment Loans

Platinum (Full Doc or Bank Statements)

  • Up to 90% LTV with no MI
  • Credit scores starting at 660
  • Loans up to $3 million
  • 4 years seasoning for foreclosure, short sale,
    bankruptcy, or deed-in-lieu
  • Owner-occupied and second homes
  • Interest-only available
  • Cash-out available - $500,000 maximum
  • Full doc and bank statements available
  • 1 year tax return program available

Portfolio Select (Full Doc or Bank Statements)

  • Up to 90% LTV with no MI
  • Credit scores down to 600
  • Loans up to $3 million
  • Owner-occupied, 2nd homes, and investment properties
  • 100% gift refunds allowed
  • 2 years seasoning for foreclosure, short sale,
    bankruptcy, or deed-in-lieu
  • Full doc and bank statements available
  • 1 year tax return program available
  • Asset depletion available

Non-Prime Program For Borrowers With Recent Credit Issues

  • Up to 90% LTV (purchase, R/T, and, debt consolidation)
  • Credit scores as low as 500 (including jumbo loans)
  • 1 day out of FC, SS, BK, or DIL
  • Up to 85% LTV (cash-out)
  • Loans up to $1 million (minimum loan $75,000)
  • Cash out for reservers OK
  • Mortgage lates are OK
  • DTI up to 50% considered
  • Limited or no tradelines OK to max 75% LTV
  • Max cash-out to $500,000

Platinum (Full Doc or Bank Statements)

  • Up to 80% LTV (including cash-out)
  • Credit scores starting at 660
  • No personal income used to qualify
  • No limit on number of properties financed (5 with AOMS)
  • No DTI restrictions & interest only available
  • Must have housing history and own a primary home
  • No employment required on application
  • 2 years seasoning FC, SS, BK, or DIL
  • Qualifications based on property cash flow
  • Loans up to $1 million (minimum loan $75,00)

Foreign National program To 75% LTV

  • Up to 75% LTV (purchase or refinance)
  • Simple credit reference letters to satisfy trade lines
  • No US credit, NO SSN or ITIN required
  • 12 months reserves required / 50% DTI
  • Loans up to $750,000 (higher amounts case by case)
  • Reserves can remain in foreign account
  • Minimum loan amount down to $75,000
  • Fewer country restrictions than other lenders

No Income Asset Qualifier Program To 75% LTV

  • Up to 75% LTV (purchse or refinance)
  • Credit score of 700+ required
  • 5 years seasoning FC, SS, BK, or DIL
  • Loans up to $3 million (minimum Loan $150,000)
  • No DTI restrictions
  • Requires 60 months of recurring monthly payments post closing
  • No 4506 required
  • Must document minimum $500,000 in post closing assets
  • Primary residence only
  • Assets must be sourced/seasoned for a mimimum of 12 months

Non-warrantable condos considered across all programs. No mortgage insurance on any program.