LOW SCORE PROGRAM
500 CREDIT SCORE
1 DAY OUT OF BANKRUPTCY, FORECLOSURE, SHORT SALE, DEED IN LIEU
85% UP TO $1,00,000
NO ACTIVE TRADELINES WITH HOUSING PAYMENT HISTORY
_______________________________________
100% GIFT PROGRAM
1-4 FAMILY AND CONDOS
90% LTV up to $2,000,000
50% DTI
100% GIFT OK
__________________________________________
INVESTOR CASH FLOW
QUALIFY ONLY WITH RENTAL NCOME
NO INCOME 1-4 FAMILY AND CONDOS
NO 4506-T
NO DTI
640 CREDIT SCORE
1-4 FAMILY AND CONDOS
80% LTV up to $1,000,000
70% LTV up to $2,000,000
60% LTV
__________________________________________
BANK STATEMENT PROGRAM
12 or 24 MONTHS STATEMENTS PERSONAL or BUSINESS OR COMBINATION
NO CPA LETTERS
NO TAX RETURNS, NO 4506-T
NO INCOME or EMPLOYMENT ON 1003
________________________________________
ASSET DEPLETION
FIXED and ARM'S
INTEREST ONLY, AVAILABLE
CREDIT SCORE 700
75% LTV up to $1,000,000
70% LTV up to $1,650,000
65% LTV up to $2,000,000
SINGLE FAMILY and CONDOS
59% DTI
__________________________________________
INHERITED PROPERTY PROGRAM NO MINIMUM CREDIT SCORE FUTURE VALUE OF RENTAL INCOME CONSIDERED
REFINANCE REVERSE MORTGAGE 80% LTV
5 YEAR TERM
BK, FORECLOSURE, SHORT SALE...OK
________________________________________
NO PMI and HIGH DTI PROGRAMS
95% LTV up to $2,500,000, 720 SCORE, 35 DTI, 40 YEAR TERM, 10 YRS INTEREST ONLY
90% LTV up to $2,500,000, Â 680 SCORE, 50 DTI
85% LTV up to $2,500,000, Â 660 SCORE, 50 DTI
80% LTV up to $2,500,000, Â 660 SCORE, 50 DTI
90% LTV up to $1,000,000, Â 660 SCORE, 50 DTI
85% LTV up to $1,500,000, Â 680 SCORE, 46 DTI
80% LTV up to $1,500,000, Â 720 SCORE, 55 DTI
75% LTV up to $1,500,000, 700 SCORE, 55 DTI
* CONFORMING
* HOME READY 97
* HOME POSSIBLE
* HOME STYLE
* HARP
* DU REFI PLUS 105
* HIGH BALANCE
* FANNIE MAE RENOVATION
* FIXED AND ARM'S
* AMORTIZED
* INTEREST ONLY
* 3/1, 5/1, 7/1, 10/1 ARM's... 2/2/5 Caps. 2.25 Margin
* 15/1 ARM'S5/2/5 Caps, 2.25 Margin
* Up to $4,000,000
* 95% LTV to $850,000 NO PMI
* 90% LTV up to $1,500,000 NO PMI
* 90% LTV up to $1,000,000, 680 credit Score
* 80% LTV up to $1,500,000, 661 Credit Score
* 85% LTV up to $2,00,000 NO PMI
* 80% LTV up to $1,500,000, 620 Credit Score, 55% DTI
* 80% LTV up to $1,500,000, 620 Credit Score, 50% DTI
* 85% LTV up to $1,500,000, 660 Credit Score, 50% DTI
* NON-WARRANTABLE CONDOS, OK LOAN AMOUNTS UP TO $10,000,000 Available, please inquire
* FHA
* FHA $100 DOWN
* FHA NON TRADITONAL CREDIT
* FHA STREAMLINE
* FHA 203(K)
* DU REFI PLUS 125
* FHA HIGH BALANCE
* USDA
* FIXED AND ARMS'S
* INTEREST ONLY, AVAILABLE
* NO US CREDIT
* NO CREDIT SCORE
* NO SOCIAL SECURITY NUMBER
* NO ITIN
* NO VISA
* SECOND HOME and INVESTMENT PROPERTY
* 1-4 FAMILY
* CONDOS, CONDOTELS
* 75% LTV up to $750,000
* 70% LTV up to $1,000,000
* 65% LTV up to $2,000,000
* 50% LTV up to $3,000,000
NOT ALL FEATURES ARE AVAILABLE FOR ALL PRODUCTS
* ACCESS EQUITY IN YOUR HOME INTO CASH OR A LINE OF CREDIT
* NO MONTHLY MORTGAGE PAYMENTS
* THE LOAN BALANCE DOES NOT COME DUE AS LONG AS YOU OWN THE HOUSE AS YOUR PRIMARY RESIDENCE OR THE PROPERTY IS SOLD
* RATES ARE COMPARABLE TO MANY TRADITIONAL LENDERS LINES OF CREDIT OR HOME EQUITY LOANS
* HEIRS CAN KEEP THE HOME AT 95% CURRENT APPRAISED VALUE OR PAY OFF THE BALANCE
* OWNED FREE AND CLEAR OR VERY LITTLE MORTGAGE BALANCE, GET A MONTHLY CHECK TO SUPPORT RETIREMENT
* DEFER SOCIAL SECURITY TO OBTAIN MAXIMUM BENEFITS
* PAY OFF MORTGAGE WITH NO MORE MONTHLY PAYMENTS
* MAKE RETIREMENT SAVINGS LAST LONGER.
* LINE OF CREDIT AS A SAFETY NET FOR UNPLANNED EMERGENCIES, HOME REPAIR, MEDICAL, ETC
* CHOOSE THE FOLLOWING WAY TO RECEIVE FUNDS...
1) LINE OF CREDIT
2) LUMP SUM PAYOUT
3) MONTHLY PAYMENTS
4) COMBINATION OF THE ABOVE
Pre Application Lead Sheet (docx)
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