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Loan Programs

Portfolio Select

The Portfolio Select program provides flexible mortgage solutions tailored to unique borrower needs. It supports various income documentation methods and property types.

Bank Statements (12 & 24 Months Personal or Business Bank Statements), Full Doc 1 Year (NQM), Full Doc 2 Years (NQM)
5/1/2025, 1:43:54 AM

Platinum

The Platinum program offers a variety of mortgage options with specific eligibility criteria and loan terms. It includes options for primary residences, second homes, and investment properties.

Asset Qualifier, Bank Statements (12 & 24 Months Personal or Business Bank Statements), Full Doc 1 Year (NQM), Full Doc 2 Years (NQM)
8/7/2024, 7:22:21 PM

Asset Qualifier

The Asset Qualifier program allows borrowers with significant assets to qualify for a mortgage without traditional income documentation.

Asset Qualifier
8/7/2024, 7:22:16 PM

Asset Depletion

The Asset Depletion program enables high net worth borrowers to qualify for a mortgage by depleting their assets over a set period.

Asset Qualifier
8/7/2024, 7:22:14 PM

1-Year Tax Return

The 1-Year Tax Return program is for self-employed borrowers who can qualify using their most recent tax return.

Full Doc 1 Year (NQM)
8/7/2024, 7:22:12 PM

Bank Statement

The Bank Statement program is designed for self-employed borrowers who can document their income using personal or business bank statements. It offers flexible loan amounts and terms, including interest-only options for primary residences and second homes.

1099 Only (1 Year), Bank Statements (12 & 24 Months Personal or Business Bank Statements), Profit and Loss (with supporting bank statements)
8/7/2024, 7:24:16 PM

HELOC 1st & 2nd Liens

The HELOC 1st & 2nd Liens program provides home equity lines of credit for primary residences, second homes, and investment properties. It offers flexible draw and repayment terms with specific eligibility criteria.

Bank Statements (12 & 24 Months Personal or Business Bank Statements), Full Doc 2 Years (NQM)
8/7/2024, 7:25:31 PM

Closed-End Second Lien

The Closed-End Second Lien program offers fixed-rate second mortgage options for primary residences, second homes, and investment properties. It supports various loan amounts and terms with specific eligibility criteria.

Bank Statements (12 & 24 Months Personal or Business Bank Statements), Full Doc 2 Years (NQM)
8/7/2024, 7:25:33 PM

Investor Cash Flow

The Investor Cash Flow program is designed for borrowers financing properties solely for investment purposes. It allows for the use of rental income to qualify and does not require employment or income disclosure. The program offers various loan amounts and terms, including interest-only options, with specific eligibility criteria for different property types and borrower profiles.

Debt Service Coverage Ratio (DSCR & No Ratio DSCR)
5/1/2025, 1:43:32 AM