The 1 Year Income Credit program offers various loan options including fixed and adjustable rates with interest-only terms. It accommodates different property types and occupancy statuses, with a maximum loan amount of $2,500,000 and specific LTV/CLTV limits based on credit scores and housing history.
The Alt Doc Credit program offers a variety of loan options with fixed and adjustable rates, including interest-only terms. It supports different property types and occupancy statuses, with a maximum loan amount of $2,500,000 and specific LTV/CLTV limits based on credit scores and housing history. The program also includes options for self-employed income verification through personal and business bank statements, and accommodates first-time home buyers with certain restrictions.
The Alt Doc Plus program offers various loan options including fixed and adjustable rates with interest-only terms. It supports different property types and occupancy statuses, with a maximum loan amount of $3,000,000 and specific LTV/CLTV limits based on credit scores and housing history. The program includes options for asset depletion and non-permanent resident aliens, with additional restrictions for credit events.
The Alt Doc Prime program offers a variety of loan options including fixed and adjustable rates with interest-only terms. It supports different property types and occupancy statuses, with a maximum loan amount of $2,500,000. The program includes options for self-employed income verification through personal and business bank statements, asset utilization, and specific LTV/CLTV limits based on credit scores and housing history. Additional restrictions apply for first-time home buyers and properties in declining markets or certain states.
The Community Reinvestment Act (CRA) Easy Doc program offers a streamlined documentation process for loans with a focus on properties located in low to moderate income census tracts. It includes options for primary, second home, and investment properties with a maximum loan amount of $1,500,000. The program requires specific income verification and reserves, and does not allow cash-out refinancing or foreign nationals.
The DSCR program offers a variety of loan options for investment properties with different FICO score requirements and loan amounts up to $2,500,000. It includes specific LTV/CLTV limits based on DSCR, property type, and occupancy status, with options for both long-term and short-term rental income calculations.
The DSCR Plus program offers a range of loan options specifically for investment properties, featuring various fixed and adjustable rate terms including interest-only options. It includes specific LTV/CLTV limits based on DSCR, property type, and occupancy status, with a maximum loan amount of $2,000,000. The program also outlines detailed requirements for credit scores, reserves, and property types, and includes restrictions for foreign national borrowers.
The HELOAN 1 (Standalone 2nd TD) program offers fixed-rate loan options with terms of 30, 20, 15, and 10 years. It supports primary, second home, and investment properties with a maximum loan amount of $600,000 and specific CLTV limits based on credit scores and property types. The program includes full documentation and bank statement options for income verification, with various requirements for self-employed borrowers and specific guidelines for declining markets and property types.
The HELOAN 2 (Standalone 2nd TD) program offers fixed-rate loan options with terms of 30, 20, 15, and 10 years. It supports primary, second home, and investment properties with a maximum loan amount of $500,000 and specific CLTV limits based on credit scores and property types. The program includes full documentation and bank statement options for income verification, with various requirements for self-employed borrowers and specific guidelines for declining markets and property types.
The ITIN 101 program offers loan options for ITIN borrowers with various LTV limits based on credit scores and loan amounts. It supports primary and second home occupancy, with specific credit requirements and documentation options for both wage earners and self-employed individuals.
The ITIN 102 program offers loan options for ITIN borrowers with various LTV limits based on credit scores and loan amounts. It supports primary, second home, and investment properties with specific credit requirements and documentation options for both wage earners and self-employed individuals. The program includes unique property types and offers asset depletion and ready asset options for income verification.
The PL Plus program offers a variety of loan options including fixed and adjustable rates with interest-only terms. It supports primary, second home, and investment properties with a maximum loan amount of $3,000,000. The program includes specific LTV/CLTV limits based on credit scores and housing history, with additional restrictions for credit events and rural properties.
The VOE Plus program provides various loan options with fixed and adjustable rates, including interest-only terms. It supports primary, second home, and investment properties with a maximum loan amount of $3,000,000. The program includes specific LTV/CLTV limits based on credit scores and housing history, with additional restrictions for credit events and rural properties.
The PL Prime program offers a variety of loan options including fixed and adjustable rates with interest-only terms. It supports primary, second home, and investment properties with a maximum loan amount of $2,500,000. The program includes specific LTV/CLTV limits based on credit scores and housing history, with additional restrictions for first-time home buyers and properties in declining markets or certain states.
The Simple NonQM (SNQ) EZ program offers a 5/6 ARM product with a maximum loan amount of $2,000,000 and a minimum FICO score of 680. It supports primary, second home, and investment properties, with specific LTV/CLTV limits based on occupancy and loan amount. The program includes detailed requirements for self-employed income verification, asset utilization, and foreign national borrowers, with restrictions on property types and geographic limits to CA and TX.
The Stated EZ / 3mo Bank Statement EZ program offers a 30-year fixed and 7/6 ARM product with a maximum loan amount of $2,500,000. It supports primary, second home, and investment properties, with specific LTV/CLTV limits and requires a minimum FICO score. The program includes detailed requirements for self-employed income verification and asset utilization.