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Stated Income and Bank Statement Loans

  • No Income Verification
    • No Reserves
    • Up To 75% LTV
    • $1,000,000 loan amounts
    • Interest Only payment available
    • No Pre Payment Penalties
    • State Income for 1 – 4 unit properties: ◦Investment
    • Business purpose O/O
    • Foreign Nationals
    • Cross Collateralization
    • Fix & Flip
  • High balance conforming and standard jumbo loans
  • Super jumbo loans up to $10 million
  • Non-qualified mortgages for borrowers with custom needs
    • K-1 driven income
    • Interest only loans
    • High or volatile income ratios
    • Non-resident borrowers
    • Asset depletion
  • Vacation or second homes
  • Non-occupant and co-borrower loans
  • Commercial borrower/entities purchasing single family residence properties
  • Bridge, rehab, or fast close loans

Alternative Income Documentation

  • 12 months personal bank statements
  • 24 months personal bank statements
  • 24 months business bank statements
  • Lease agreements in lieu of a Schedule E
  • Asset Assist
  • Asset Express

B Borrowers
FICO scores of 540-599

  • 75% – Purchase
  • 75% – Rate & Term
  • 70% – Cash-out
  • 0 x 30 – Mortgage (Last 12 months)
  • 12 months cancelled rent checks required

C Borrowers
FICO scores of 500-539

  • 65% – Purchase
  • 65% – Rate & Term
  • 65% – Cash-out (max 50k)
  • 0 x 30 – Mortgage (Last 12 months)
  • 12 months cancelled rent checks required

SPEED, EASE, AND CONVENIENCE
NoTax Returns, NO PAY STUBS, NO 4506T, NO W2’s Bank Statement

Term Loan Financing (1, 2, & 4 YR Terms)
Purchase / Refinance / Rehab / Fix & Flip
Non-Owner Occupied Properties Only

Stated Income (No Income Verification)
Loan Amounts: $100,000 – $7,000,000
Interest Only
Max LTV 80% (Up to 100% CLTV w/ Rehab Financing)
No Minimum Fico
No Seasoning Requirements
Close in 10 to 14 Days!

**Be aware! Online banking fraud is on the rise. If you receive an email containing WIRE TRANSFER INSTRUCTIONS call your escrow officer immediately to verify the information prior to sending funds.**