Program Highlights

Bank Statement Loans

Credit Scores Starting at 640 | Up to 90% LTV

  • Loans up to $3.5 million (BS Elite), with a minimum of $150,000
  • 12 or 24 months' business or personal bank statements
  • Up to 80% on second homes and investment properties
  • Two years self-employed required, or one year self-employed as long as same line of work
  • Two years' seasoning from foreclosure, short sale, bankruptcy, or deed-in-lieu Profit and loss (P&L) and 1099 options available
Bank Statement Loan

Bank Statement HELOC

Credit Scores Starting at 700 | Up to 85% CLTV

  • Loans up to $500,000
  • Minimum initial draw 80%
  • Interest-only payments during draw period
  • Owner-occupied, second homes, and investment properties
  • No restrictions on how funds can be used
  • Loan terms:
    • 15 years (3-yr draw, 12-yr repay)
    • 20 years (5-yr draw, 15-yr repay)
HELOC Loan

Portfolio Select

Credit Scores Starting at 640 | Up to 85% LTV

  • Loans up to $2.5 million, with a minimum of $125,000
  • One year seasoning for foreclosure, short sale, or deed-in-lieu
  • Two years' seasoning for bankruptcy; can use Chapter 13 filing date
  • Pricing based on primary wage earner's middle FICO score
  • Owner-occupied, second homes, and investment properties
  • Up to 50% DTI

Foreign National Mortgage

No Foreign/U.S. Credit Needed | Up to 70% LTV

  • Loans up to $1.5 million, with a minimum of $100,000
  • DSCR program with a 1:1 ratio on cash flow
  • Cannot reside in the United States
  • Closing in a U.S. LLC entity permitted
  • 12 months' reserves required and can remain in a borrower's home country
  • Investment property only
Foreign National Loan

Asset Qualifier

Credit Scores Starting at 700 | Up to 75% LTV

  • Loans up to $3 million, with a minimum of $250,000
  • No employment, no income, no DTI
  • Five years' seasoning for foreclosure, short sale, or bankruptcy
  • Primary residence only
  • Rates are 30-year fixed
  • Interest-only program available
Asset Qualifier Loan

DSCR Loans

Credit Scores Starting at 680 | Up to 85% LTV

  • Loans up to $3 million, with a minimum of $100,000
  • Short-term rentals allowed (AirDNA reports accepted)
  • No-ratio DSCR available
  • No income or employment required; qualifications based on property cash flow
  • Max of five loans with AOMS; exceptions considered when there are more than five loans
  • No limit on total number of financed properties a borrower can own
  • Properties can vest title in LLC, S corp, C corp, or revocable trusts
  • Interest-only available; gift funds okay
  • Up to 6% seller concessions
  • Warrantable, non-warrantable, and condo hotels allowed
DSCR Loan

Closed-End Second Loans

Credit Scores Starting at 700 | Up to 85% CLTV

  • Loans up to $750,000, with a minimum of $75,000
  • Primary, second home, and investment properties
  • Full doc or business bank statements
  • Can never have had a foreclosure, short sale, modification, or deed-in-lieu; 60 months' seasoning from bankruptcy required
  • Owner-occupied program is not available in TX
  • Program only allowed on investment properties in TN

Platinum Jumbo

Credit Scores Starting at 680 | Up to 90% LTV

  • Loans up to $3 million, with a minimum of $150,000
  • Four years' seasoning for foreclosure, short sale, bankruptcy, or deed-in-lieu
  • Owner-occupied, second homes, and investment properties
  • Pricing based on primary wage earner's middle FICO score
  • Full doc only

ITIN Mortgage Loan (+DACA)

Credit Scores Starting at 640 | Up to 75% LTV

  • Loans up to $2.5 million, with a minimum of $125,000
  • One year's seasoning for foreclosure, short sale, or deed-in-lieu
  • Two years' seasoning for bankruptcy; can use Chapter 13 filing date
  • Primary home only (one unit only)
  • Non-warrantable condos allowed
  • Up to 50% DTI
ITIN Loan