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."