CONVENTIONAL LOANS
● All available FNMA and Fredi Mac
products
● Minimum 620 FICO
● W2 paystubs and 1 Year Income Tax only
● Transferred Appraisals OK
● UP to 97% LTV
● 90% LTV no PMI
PRIVATE (HARD) MONEY LOANS
● No Primary Residences
● Up to 75% LTV on purchase
● No income documentation
● 12-60 month terms
● No Prepayment Penalties
● Foreign Nationals OK
● 5-day closing
NON-QM LOANS (ALT-A)
● Asset Qualification – Borrowers are
qualified based on verified assets
minimum FICO credit score 600
● Self Employed borrower using only
bank statements or P&L
● Wage earners – Verification of
employment only
● Loan amounts to 13M
● Minimum FICO 500
● Foreign Nationals Allowed
JUMBO LOANS
● Both Fixed and ARM Products
● Interest only options on 5,7 & 10 ARMS
● Min 730 Fico
● Investments with 760 FICO
● Up to 90% LTV with MI
FHA LOANS
● Min 580 FICO
● Non-residing Co-Borrower Ok
● No Appraisal in many cases
● Fixed and ARM up to 96.5% LTV
INVESTOR LOANS
● No Verification of Income or
Employment
● Purchase, Refinance and Cash Out
Allowed
● No limit on number of properties
● Foreign Nationals allowed.
● LTV to 80% with 730 FICO
● Min 620 FICO