Specialty Mortgage Programs

Loans for the Self-Employed:

  • 3, 6, 12, and 24 Months Bank Statement programs for Income
  • 1099, YTD P&L, VOE programs
  • Interest Only available
  • 90% LTV – with 2 years from major credit issue
  • Personal bank statements utilizing 100% of the deposits
  • Business bank statements qualify with up to 50% of or more of the deposits
  • Two years proof of self-employment, Update: 1 year now available!
  • Scores as low as 500

Loans for Foreign Nationals:

  • 2nd Home & Non-Owner Occupied 1-4 unit properties
  • No Income Verification
  • No Reserves
  • 70% LTV
  • Passport only to qualify
  • International Credit Report or Letter of good standing with current financial institution

Loans for Real Estate Investors:

  • No¬†personal income to qualify/No doc
  • Must have housing history¬†OR own a primary home
  • No Employment required
  • DSCR (1.0 ratio) underwriting method (cash flow)
  • Minimum 20% down
  • Foreign Nationals eligible
  • Cash-out available
  • 30 year fixed rate
  • Minimum Score 600
  • 2-8 unit properties allowed
  • Gift funds allowed

Specialty Loans:

  • Jumbo Loans to 90% LTV
  • Loans up to $3.5M
  • Flexible seasoning requirements on title, income, or time on the job
  • Bridge, Blanket, and cross-lien mortgages
  • Non-warrantable Condo’s and Co-ops no issues
  • Corporation, irrevocable/revocable trusts, LLC, and partnership loans
  • Acquisition, rehab & construction loans
  • Residential, commercial, and mixed-use properties no income loans