Select Prime ITIN is designed for borrowers with Individual Taxpayer Identification Numbers (ITIN). It offers flexible documentation options and competitive terms, with Full Doc and Alt Doc options available. The program includes specific guidelines for credit scores, reserves, and underwriting requirements.
Super Jumbo is designed for high-value loans with strong compensating factors. It offers flexible documentation options and competitive terms, with loan amounts exceeding $3.5 million. The program includes both Full Doc and Alt Doc options, tailored for primary residences with stringent underwriting requirements.
The Flex Supreme program is tailored for highly qualified borrowers with strong income and credit profiles. It offers both Full Doc and Alt Doc options, with competitive LTV/CLTV limits and flexible terms for primary and second homes. This program includes specific requirements for credit events, geographic restrictions, and property types, ensuring a comprehensive solution for borrowers.
The Investor DSCR Program is designed for investment or non-owner-occupied loans that are designated for business purposes only. It uses the Debt-Service Coverage Ratio (DSCR) for qualification and includes options for residential and mixed-use properties. The program provides specific guidelines for credit scores, reserves, and property types.
The Foreign National Program is tailored for non-U.S. citizens seeking financing for second homes or investment properties. It offers flexible documentation options, including Full Doc and DSCR, with specific guidelines for credit scores, reserves, and property types.
The Investor Mixed Use 2-8 Units and Residential 5-10 Units program is designed for investment properties with mixed-use or residential units. It uses the Debt-Service Coverage Ratio (DSCR) for qualification. The program includes specific guidelines for property types, reserves, and underwriting requirements.
Flex Select is designed for borrowers seeking flexible financing options for primary, second homes, and investment properties. It offers a variety of fixed and adjustable-rate products, including interest-only options, with competitive LTV/CLTV limits and loan amounts up to $3.5 million. The program includes specific guidelines for credit scores, DTI, reserves, and property types.
Flex Select Express DU Option provides a streamlined underwriting process using Desktop Underwriter (DU) for eligible borrowers. It allows for flexible terms and includes specific requirements for credit scores, reserve requirements, and appraisal standards. This program is ideal for borrowers seeking efficiency in loan processing.
DSCR Supreme is designed for investment or non-owner-occupied loans that are designated for business purposes only. It uses the Debt-Service Coverage Ratio (DSCR) for qualification and includes options for residential and mixed-use properties. The program provides specific guidelines for credit scores, reserves, and property types.
The 2nd Lien programs offers fixed-rate second mortgages with various term options. It is designed for borrowers who need additional financing options, including Full Doc and Alt Doc options. The program includes specific guidelines for credit scores, DTI, and reserves, ensuring a comprehensive solution for second lien financing.