Products


Owner Occupied and Second Home

- Loans from $400,000 to $15,000,000
<$400,000 on exception basis
- FICO scores down to 600
- Up to 95% LTV on Purchase/Rate-Term/Cash Out (No MI)
- Up to 55% DTI
- 24-Month Business and Personal Bank Statement program
- 12-Month Personal Bank Statement program
- One-year tax return program
- Asset Depletion program
- Interest Only available on 5/1, 7/1, 30yr Fixed, and 40yr
Fixed
- No seasoning requirements for SS/FC/BK/DIL
- Unlimited cash out available



Non-Owner Occupied/Investor

- Loans from $400,000 to $15,000,000
<$400,000 on exception basis
- FICO scores down to 600
- Up to 85% LTV on Purchase and Rate/Term
- Up to 80% LTV on Cash-Out
- Up to 50% DTI
- 24-Month Business and Personal Bank Statement program
- 12-Month Personal Bank Statement program
- One-year tax return program
- Asset Depletion program
- Interest Only available on 5/1, 7/1, and 30yr fixed
- Unlimited cash out available



No Doc/No Ratio for Non-Owner Occupied

- Loans from $400,000 to $5,000,000
<$400,000 on exception basis
- FICO scores down to 640
- Up to 80% LTV on Purchase and Rate/Term
- Up to 70% LTV on Cash Out
- No income, asset, or employment information required
- 3/1 and 7/1 terms available





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