what is the max ltv on an owner occ purchase of an SFR with a 680 fico?

Maximum LTV for an Owner-Occupied Purchase of an SFR with a 680 FICO

Here is a summary of the maximum LTVs offered by various lenders for your scenario:

Lender	Maximum LTV	Program(s)	Notes
Arc Home	85%	Edge Alt Income	Requires a minimum FICO of 660.
A&D Mortgage	90%	Super Prime	Allows up to 90% LTV for 1-unit SFRs with a 680 FICO.
AmWest	80%	Bank Statement Advantage, Asset Qualifier, AmWest Advantage One, Advantage Program	LTV capped at 80% for a 680 FICO.
Angel Oak	85%	Bank Statement	Requires a minimum FICO of 640.
Champions Funding	85%	Activator – FULL & ALT-DOC	Consumer – No Ratio program offers a lower LTV of 80%.
Change Wholesale	90%	Alt Doc Prime, Alt Doc Expanded, Alt Doc Advantage	Community Mortgage program offers a lower LTV of 75%.
Deephaven	80%	Non-Prime Program	Expanded Prime Program does not exceed 80% for a 680 FICO.
FundLoans	90%	Montage Prime	Requires a minimum FICO of 660.
Newfi Lending	90%	Sequoia NQM, Teton Jumbo AUS	Both programs allow up to 90% LTV for owner-occupied purchases.

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Key Takeaways:

• Highest LTV (90%): Offered by A&D Mortgage, Change Wholesale, FundLoans, and Newfi Lending.
• Moderate LTV (85%): Available from Arc Home, Angel Oak, and Champions Funding.
• Lower LTV (80%): Provided by AmWest and Deephaven.

Would you like more details about any specific lender or program?

Maximum LTV for an Owner-Occupied Purchase of an SFR with a 680 FICO

Here is a summary of the maximum LTVs offered by various lenders for your scenario:

Lender	Maximum LTV	Program(s)	Notes
Orion Lending	97%	Conventional Program	Requires a minimum FICO of 620.
Homebridge Wholesale	85%	Elite Access (Non-QM)	Minimum FICO of 660 for loan amounts up to $2,000,000.
NQM Funding	85%	Select Prime 2nd Lien	Allows up to 85% LTV for purchases of owner-occupied SFRs.
Loan Stream	96.5%	FHA Purchase	Requires a minimum FICO of 550.
LendSure Mortgage	90%	Super-Prime/Alt-A, Bridge Loan, Expanded Approval	All programs allow up to 90% LTV for owner-occupied purchases.
Oaktree Funding	90%	Non-Agency Advantage, Equity Advantage	Both programs allow up to 90% LTV for owner-occupied purchases.
The Loan Store	90%	Flex NQM Income	Allows up to 90% LTV for primary residences.
REMN Wholesale	85%	Access Non-QM	LTV decreases to 80% for loan amounts exceeding $1,500,000.
Axos Bank	90%	Expanded Non-QM	Other programs like ALT DOC EXPRESS and FULL DOC EXPRESS cap LTV at 85%.

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Key Takeaways:

• Highest LTV (97%): Offered by Orion Lending under the Conventional Program.
• FHA Option (96.5%): Available through Loan Stream for borrowers meeting FHA guidelines.
• Moderate LTV (90%): Offered by LendSure Mortgage, Oaktree Funding, The Loan Store, and Axos Bank.
• Lower LTV (85%): Provided by Homebridge Wholesale, NQM Funding, and REMN Wholesale.

Would you like more details about any specific lender or program?

To complete the loan scenario for LendSure Mortgage, the following additional details are needed:

1. Loan Amount: Specify the desired loan amount.
2. Down Payment or LTV: Provide the down payment amount or desired Loan-to-Value (LTV) ratio.
3. Income Documentation Type: Indicate whether you will use full documentation, bank statements, or other income verification methods.
4. Debt-to-Income (DTI) Ratio: Share your DTI ratio or monthly obligations.
5. Employment Type: Clarify if you are self-employed, W-2 employed, or have other income sources.
6. Assets: Provide details on available assets for reserves or qualification purposes.

Would you like assistance in determining the best program based on this information? Let me know!