Aspire X is a high CLTV, exterior-only appraisal cash-out, debt consolidation or piggy-back purchase junior lien (second position or better only) program available for 1-4 unit primary residences, second homes, and investment properties.
Full documentation program designed for borrowers who may have limited access to credit, requiring alternative forms of documenting income. The program includes various loan products such as 30-year fixed, 40-year fixed, and SOFR ARMs with different cap structures.
Spectrum+ is designed for experienced real estate investors seeking to purchase or refinance non-owner occupied investment properties held for business purposes. The borrower is qualified solely on the cash flow of the subject property.
Spectrum No Ratio is designed for real estate investors seeking to purchase or refinance non-owner occupied investment properties held for business purposes. The borrower is qualified solely on the cash flow of the subject property.
ASPIRE is a cash-out, debt consolidation or piggy-back purchase junior lien (second position or better only) program available for primary residences, second homes, and 1-4 unit investment properties.
Apex Prime is a bank statement program for self-employed borrowers, offering 12 or 24 months of personal or business bank statements to document income. It includes various loan products such as 30-year fixed, 40-year fixed, and SOFR ARMs with different cap structures, and allows for interest-only terms.