Products


Highland – Investor and No Ratio

 Loans from $400,000 to $2,000,000.  FICO scores down to 600.  Personal bank statement program, 12 & 24.  Asset depletion for qualified income program.  High DTI’s considered.  No seasoning on foreclosures, short sales & bankruptcies.  No limit on number of properties financed.  Non-Warrantable condos OK.  3/1, 5/1, 7/1, 30yr fixed, and IO options available.  Up to 80% LTV, and no MI required



Premier Jumbo

 Loan amounts from $400,000 to $2,500,000.  FICO scores down to 680.  Highly competitive low rates.  15yr, 20yr, and 30yr fixed options available.  5/1, 7/1, and 10/1 options available.  Up to 80% LTV.



The Montage - Our Core Product

 Super Jumbo loans from $500,000 to $10,000,000.  FICO scores down to 640.  Bank statement programs, 12 and 24 month, including self-employed.  DTI's above 50% considered.  Primary residences – Investment properties – Second homes – Foreign national.  Unlimited cash out.  Non-warrantable condos OK.  5/1, 7/1, 10/1, and IO option available on 5/1.  Up to 75% LTV, and no MI required.  No seasoning on foreclosures, short sales & bankruptcies.



The Icon

 Loans from $500,000 to $3,000,000.  FICO scores down to 600.  Bank statement programs, 12 & 24 months, including self- employed.  High DTI’s considered.  Foreclosures, Short Sales & Bankruptcies OK (w/ compensating factors and good LOE).  Primary Residences and Second Homes, only.  15yr and 30yr fixed options available.  5/1, 7/1, and IO options available.  Up to 85% LTV, and no MI required.



The Highland

 Loans from $400,000 to $3,000,000.  FICO scores down to 620.  High DTI’s considered.  Bank statement programs, 12 & 24 months, including self- employed.  5/1, 7/1, 30yr fixed, and IO options available.  Up to 90% LTV, and no MI required.



The Spectrum - Investment Properties

 Loans from $500,000 to $2,500,000.  FICO scores down to 600.  Bank statement programs, 12 & 24 months, including self- employed.  High DTI’s considered.  Full-Doc, No Income & NINA products available.  Foreclosures, short sales & bankruptcies OK.  No limit on number of properties financed.  15yr and 30yr fixed options available.  3/1, 5/1, 7/1, and IO options available.  Up to 80% LTV, and no MI required.



Spectrum - No Ratio and NINA

 Loans from $500,000 to $2,500,000.  FICO scores down to 640.  Investment properties only.  3/1, 5/1, 7/1, and IO options available.  Up to 75% LTV, and no MI required.



The Aurora

 Loans from $400,000 to $2,500,000.  FICO scores down to 600.  Bank statement programs, 12 & 24 month, including self- employed.  High DTI’s considered.  Credit events less than 2-years are OK.  5/1, 7/1, 30yr fixed.  Up to 85% LTV, and no MI required.



The Atlas - Foreign Nationals

*Please reach out to your Account Executive for details and guidelines*





"All product information subject to change without notice. All loans subject to underwriter approval."