The Access DSCR program is designed for business purpose loans on investment properties, with the ability to repay based solely on the income and debts associated with the subject property. It offers flexible options including fixed-rate and ARM loans, with interest-only options available. Borrowers must meet specific credit and DSCR requirements, and the program supports a variety of property types including rural properties up to 2 acres.
The Edge DSCR program is designed for business purpose loans on investment properties, with the ability to repay based solely on the income and debts associated with the subject property. It offers flexible options including fixed-rate and ARM loans, with interest-only options available. Borrowers must meet specific credit and DSCR requirements, and the program supports a variety of property types including rural properties up to 20 acres.
The Marquee Jumbo program offers 15 and 30 year fixed rate options, as well as 5/6, 7/6, and 10/6 SOFR ARM options. It is available for purchase and rate and term refinance transactions, with loan amounts up to $3,000,000 depending on occupancy, number of units, and LTV/CLTV.
The Marquee Jumbo program offers both fixed-rate and adjustable-rate mortgage options for primary residences, second homes, and investment properties. It includes 15 and 30-year fixed-rate options, as well as 5/6, 7/6, and 10/6 SOFR ARM options, with loan amounts up to $3,000,000 depending on occupancy and number of units.
The Foreign National program is designed for foreign nationals purchasing or refinancing investment properties. Borrowers must be citizens of countries other than the United States who reside outside of the U.S. and have a primary residence in their country of origin. Eligible countries/regions include Canada, Caribbean (except Cuba), China (except Hong Kong), and Europe (except Balkan Region).
The Access Asset Qualifier program is designed for borrowers who can demonstrate sufficient liquid assets to cover the loan amount. It provides a streamlined qualification process for high-net-worth individuals.
The Edge Alt Income program is available for all occupancy types and offers a maximum LTV of 85% with a minimum FICO score of 660. It supports income documentation types including 12 & 24-month bank statements, 1 & 2-year 1099s, and CPA-prepared P&L statements.
The Edge Agency Plus program is designed for borrowers qualifying with full/standard documentation for the most recent two years of employment and income. It offers a maximum loan amount of $3,000,000, up to 85% LTV, and requires a minimum FICO score of 660.
The Access Agency Plus program is designed for borrowers using full/standard documentation for the most recent two years of employment and income, offering a maximum loan amount of $3,500,000 and up to 90% LTV. It requires a minimum FICO score of 660 and is part of the Access Product Suite.
The Elite Agency Plus program is designed for borrowers qualifying with full/standard documentation for the most recent two years of employment and income. It offers competitive terms and is tailored for high-credit-quality borrowers.
The Elite Alt Income program is designed for borrowers with alternative income documentation, including 1 Year Full Doc, 1099, and Bank Statement options. It provides flexible qualification criteria for high-credit-quality borrowers.
The Elite Alt Income Asset Utilization program allows borrowers to qualify based on their liquid assets, offering a flexible solution for high-net-worth individuals. It is tailored for borrowers with strong financial profiles.
The Access Clean Slate program is designed for borrowers with recent credit events, offering flexible financing options and a pathway to homeownership. Borrowers may qualify with various income documentation types, including full doc, 1-year full doc, 1 & 2-year 1099, 12 & 24-month bank statements, and asset utilization, provided they exhibit an acceptable recent credit history.
The Access Alt Income Asset Utilization program allows borrowers to qualify based on their liquid assets, offering a flexible solution for high-net-worth individuals. It is tailored for borrowers with strong financial profiles.
The Edge Plus Alt Income program is tailored for primary residence borrowers with strong credit quality who prefer alternative documentation. It offers a maximum LTV of 75%, requires a minimum FICO score of 700, and supports income documentation types such as 12 & 24-month bank statements and 1 & 2-year 1099s.
The Access Alt Income program is designed for borrowers of all occupancy types, offering a maximum LTV of 90% with a minimum FICO score of 660. It supports a wide range of alternative documentation types, including 1-year tax returns, profit and loss statements, W-2s, 12 & 24-month bank statements, 1 & 2-year 1099s, CPA-prepared P&L, asset utilization, and asset qualifier.