The Super-Prime/Alt-A program offers flexible underwriting with a focus on high credit quality borrowers. It includes options for asset depletion and asset qualifier loans, with competitive rates and terms for owner-occupied and second home purchases, as well as refinancing options.
The Bridge Loan program provides short-term financing for purchasing a new property before selling an existing one. It requires cross-default with a permanent loan and is available for primary residences and second homes.
The Asset Qualifier program is designed for borrowers with significant post-close assets, allowing qualification based on asset depletion. It supports high LTVs for owner-occupied and second homes, with specific FICO requirements.
The Fix and Flip Loan program offers financing for real estate investors to purchase and renovate properties for resale or refinancing. It includes options for lender or borrower-funded rehab and requires experience verification.
This program targets investors with income verification through DSCR, offering competitive rates for non-owner occupied properties. It includes options for short-term rentals and requires a minimum DSCR for higher LTVs.
The Foreign National program caters to non-US citizens with temporary US residency, focusing on investment properties. It requires a DSCR for qualification and offers specific guidelines for short-term rentals and maximum LTVs.