Mortgage Programs
FHA LOANS
FHA Loans are insured by the Federal Housing Administration, and can be a great option for low-credit, first time home buyers.
- Credit scores as low as 580
- DTI up to DU Approval
- Loan Amounts to County Limits
- Maximum LTV of 96.5%
- Manual Underwriting Available
- Non-occupant co-borrowers allowed
- Condo Single-Unit Approval (SUA) allowed
- DACA citizenship allowed
NON QM LOANS
Our bank statement program is great for self-employed borrowers.
- Up to $4 Million Loan Amounts
- Up to 90% LTV
- Up to 50% DTI
- Credit Scores as low as 660
- Interest Only Available
- Primary Residences, Second Homes, & Investment Properties Available
FLEXIBLE NON QM LOANS
The ITIN program is a financing option for ITIN Borrowers. An ITIN borrower is a nin U.S citizen with an individual tax identification number.
- Min Credit Score of 660
- DTI up to 50%
- Loan Amounts of $1.5 Mil
- Maximum LTV of 85%
- Available on Owner Occupied 2nd home or Non-Owner Oddupied properties
- Tax Returns or Bank Statements for Self-Employed Tradelins on credit report must be based on ITIN
- Tax Returns and VOE for W-2 Employed
- Tradelines on credit report must be based on ITIN
