Alternative Loans

80/10/10

• Avoid Jumbo rates with an 80/10/10
• 10% down
• Up to $350,000 second
• NO Pre payment penalties

Private Money

• Bankruptcy OK
• Foreclosure OK
• Bad Credit OK
• NO Minimum Credit Score
• 1st Time Homebuyer OK
• Overdrafts OK
• As little as 20% down

Investor Program

• NO Income Documents
• NO Tax Returns
• NO W2’s or 1099’s
• NO Paystubs
• As little as 20% Down

Bank Statement Program

• Income = Monthly Average Deposits
• 12 or 24 Months Bank Statements
• 620 Middle Credit Score
• 1st Time Homebuyer OK
• Overdrafts OK
• Up to 55% DTI
• As little as 10% down
• Business and Personal Bank Statements
• Cash out Refinance to 1 Million

Foreign National Program

• NO credit score required
• Up to 90% LTV
• ITIN Numbers
• $150k to $2.5 million
• Fewer restrictions
• No foreign tax return
• Primary residence, second homes + investment properties
• NO SSN required
• SFRs, PUDs, condos, 2-4 units
• NO pre-payment penalties

*Investment qualification is subject to DSCR.
**Subject to change.