Platinum (Full Doc or Bank Statements)
- Up to 90% LTV with no MI
- Owner-occupied and second homes
- Credit scores starting at 660
- Interest-only available
- Loans up to $3 million
- Cash-out available – $500,000 maximum
- 4 years seasoning for foreclosure, short sale,
- Full doc and bank statements available
- bankruptcy, or deed-in-lieu
- 1 year tax return program available
Portfolio Select (Full Doc or Bank Statements)
- Up to 90% LTV with no MI
- 2 years seasoning for foreclosure, short sale,
- Credit scores down to 600
- bankruptcy, or deed-in-lieu
- Loans up to $3 million
- Full doc and bank statements available
- 4 years seasoning for foreclosure, short sale,
- Full doc and bank statements available
- 100% gift refunds allowed
- Asset depletion available
Non-Prime Program For Borrowers With Recent Credit Issues
- Up to 90% LTV (purchase, R/T, and, debt consolidation)
- Cash out for reservers OK
- Credit scores as low as 500 (including jumbo loans)
- Mortgage lates are OK
- 1 day out of FC, SS, BK, or DIL
- DTI up to 50% considered
- Up to 85% LTV (cash-out)
- Limited or no tradelines OK to max 75% LTV
- Loans up to $1 million (minimum loan $75,000)
- Max cash-out to $500,000
Platinum (Full Doc or Bank Statements)
- Up to 80% LTV (including cash-out)
- Must have housing history and own a primary home
- Credit scores starting at 660
- No employment required on application
- No personal income used to qualify
- 2 years seasoning FC, SS, BK, or DIL
- No limit on number of properties financed
- Qualifications based on property cash flow
- No limit on number of properties financed
- Loans up to $1 million (minimum loan $75,00)
Foreign National program To 75% LTV
- Up to 75% LTV (purchase or refinance)
- Loans up to $750,000 (higher amounts case by case)
- Simple credit reference letters to satisfy trade lines
- Reserves can remain in foreign account
- No US credit, NO SSN or ITIN required
- Minimum loan amount down to $75,000
- 12 months reserves required / 50% DTI/li>
- Fewer country restrictions than other lenders
No Income Asset Qualifier Program To 75% LTV
- Up to 75% LTV (purchase or refinance)
- Requires 60 months of recurring monthly payments post closing
- Credit score of 700+ required
- No 4506 required
- 5 years seasoning FC, SS, BK, or DIL
- Must document minimum $500,000 in post closing assets
- Loans up to $3 million (minimum Loan $150,000)
- Primary residence only
- No DTI restrictions
- Assets must be sourced/seasoned for a minimum of 12 months