Residential

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PORTFOLIO LOAN

Loans that do not meet FNMA guidelines.Flexible underwriting, Non-conforming properties.

Up To 90% LTV With NoMl

 2 Years Seasoning Foreclosure, Short Sale, BK, DIL

Loans Up To $2 million (Minimum Loan $100,000)

Credit Scores Down To 580

 Cash Out For Reserves OK

Gift Funds Allowed

DTI Up To 50% Considered

BANK STATEMENT LOAN

12 or 24 Months Bank Statements are used to document income. No Tax Returns required.

No Tax Returns/Transcripts Required

12 or 24 Months Personal Bank Statements

 Loans Up To $2 million (Min Loan Amount $150,000)

Credit Scores Down To 620

Personal To 90% LTV (No Ml)

Owner Occupied and Investment Properties

FLEXIBLE PORTFOLIO

Recent Housing Event or Bankruptcy Accepted

1 Day Out Of Foreclosure, Short Sale, BK, DIL

Loans Up To $1 Million (Over $1M Case By Case)

Credit Scores Down To 560 (Including Jumbo Loans)

Up To 85% LTV With No Ml

Mortgage Lates Are OK

 Lack of Credit History Accepted

FOREIGN NATIONAL

Loans to Foreign Nationals, ITIN Holders regardless of US Immigration Status.

 Up To 75% LTV (Purchase Or Refinance)

 No US Credit Required

Reserves Can Remain In Foreign Account

No SSN Or ITIN Required

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