Government Loans:


Traditional FHA loan with 3.5% down payment
Gift allowed for down payment
Streamline refinance with no appraisal
Loan Amounts up to $271,050

Credit Scores as low as 580









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Bank Statement Program:


Bank Statement income can be used on our
Non-Prime/Recent Housing Event, Portfolio
Investment Property programs available
Loan amount up to $2 million
Credit scores starting at 540
Must be self-employed
24 month personal bank statements only  (DBA bank statements allowed)
Transfers from business into personal account are acceptable
No tax returns required






Private Money Loans:

Asset based / Many property types
In house appraisal for some loans
Fast turnaround
Up to 65% Loan to value 






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​Jumbo Loans: 

The Unseasoned:
Loan amount up to $1 million
Credit scores starting at 500
Up to 80% LTV
1 day out of foreclosure, short sale, deed-in-lieu
No BK seasoning in certain circumstances
DTI up to 50% considered
Non-warrantable condos considered
Jumbo loans down to 500 credit scoreJumbo Loans: 


 


Commercial:

Loans available up to 100% of project cost.  Our sources include private equity funds and various international groups.  Some programs allow for loans starting at $1MM.  Most programs start at $10MM minimum loan amount. 



            Multi-family
            Mixed Use, Retail, Self Storage
            Office, Warehouse
            Industrial
            Assisted Living Facilities





Alternative Loans:

Investor Cash Flow:
Loan amount up to $1 million
Credit scores starting at 660
Up to 70% LTV
No personal income used to qualify
Qualification based on property cash flow
1-4 units and condominiums (warrantable)
No limit on the total number of properties





Conventional Loans:

Residential Loans - Primary, Secondary and Investment Properties
Low Down Payment:
No MI (Mortgage Insurance) Program:
Loan Amounts up to $417,000
Up to 97% LTV (Loan to Value)
Gift funds for down payment acceptable
No Mortgage Insurance required
Conventional (Fannie Mae and Freddie Mac)
Fixed and Adjustable rates
Loan Amount up to $417,000
Up to 97% LTV





​Reverse Mortgages:


Over 62 Years old

No monthly mortgage payments

Lump sum option available

No Income requirements

Maintain Ownership of your home

CAN BE USED TO PURCHASE 











Specialty Loans:

Fix and Flip:
6 months – with 12 month term available case by case.
Max LTP – 70% of purchase price.
Flipper must show the ability to complete rehabilitation
Property must be in major metropolitan area if LTP is over 60%.
Flipper must have 650+ fico, no foreclosures in past 2 years to get LTP over 65%.
Commuter neighborhoods max LTP is 65%.
Loan amounts from $50,000 to $1 Million




LOAN PRODUCT OVERVIEW​

A BOUTIQUE APPROACH TO RESIDENTIAL AND COMMERCIAL MORTGAGE LOANS

MB 0909139 - NMLS 149831, 150379