Sometimes you need to go outside of the box!
Outside of the Box Mortgage Solutions
In addition to traditional mortgage options, I provide Out Of The Box solutions like the mortgage solutions below. If you’re looking for a unique mortgage solution, reach out to me with your scenario for personalized assistance. Let’s find the perfect mortgage option for you.
No Income Verification
Investor Loan For Rental Properties
- No income or job verification
- Available on SFRs, 2-4 Units, Condos, Townhomes and *Condotels
- $3M Max Loan Amount
- 575 Minimum FICO
- Up to 80% LTV For Purchase – Up To 75% On Refinance. (*Condotels: 75% LTV Max for purchase and 65% LTV Max For Refinance)
- Multi-Family (5-24 Units) 70 LTV Max for Purchase, 65% For Refinance Cash-Out, $3M Max Loan Amount , 625 Minimum FICO Score.
Non Repayable Down Payment Grant
For Home Buyers
- UP TO 100% Financing
- FHA DPA Program, eligible borrowers can select either 2% or 3.5% down payment GRANT, which is immediately forgiven at Closing.
- No silent seconds
- No first time home buyer requirements, you DO NOT need to be a first time home buyer
- No income limitations and
- Nothing to repay!
- As low as 580 FICO Score
- Must be owner occupied and you can not own another property
ITIN MORTGAGE LOAN
Is designed specifically for non-US citizens who do not have a Social Security Number but do have an ITIN.
- 80% Max LTV / 75% CO Refi
- 650 Min FICO or NO FICO
- $1M Max Loan Amt / $100k Min
- Full-Doc / Bank Stmt / WVOE / 1099 / P&L Program
- 2-year income history
- Valid government issued ID
- No reserves required ≤ 75% LTV
- Qualify WVOE and two months bank statements reflecting ACH direct deposits from employer, Self Employed 12 months Personal or Business bank statements, ATR in Full/Asset Depletion
Self Employed Borrowers
with 12 months bank statements in leu of tax returns
- Max 90% LTV Purchase
- Max 80% LTV C/O Refinance
- Min 575 FICO
- Loan amounts up to $4M
- Self-Employed and 1099 Borrowers
- No 4506T / No K1’s / No P&L’s
- No MI
- No reserves required ≤ 75% LTV
- 2 years in business minimum
- 10% Min Bus Expense Ratio
1 Year Self Employed
Mortgage Program
Mortgage for Self-Employed
1 Year Self-Employed
- 80% Max LTV / 65% Cash Out
- $4M Max Loan Amt / $100k Min
- 650 Min FICO
- Full-Doc / Bank Stmt / 1099
- Must be in the Same line of work
FOREIGN NATIONAL MORTGAGE
For borrowers who live and work outside of the US with no US citizenship status
- Max 75% LTV Purchase
- Max 70% LTV Refinance
- Loan amounts up to $3M
- 1 to 4-unit properties
- No income, job, or credit required
- No Reserves required
- Non-Owner Occupied only
- 5yr/7yr ARM & 30-year Fixed
- Condotels/Pudtels allowed
- Short-term Rentals allowed
VA LOANS
DOWN TO 500 FICO SCORE
PURCHASE/IRRRL REFINANCE
VA LOAN DOWN TO 500 FICO SCORE
- Purchase
- Refinance IRRRL
- Max 100% LTV for purchase or IRRRL Refinance
- Down to a 500 FICO
- Even One or No Score Scenarios!
FHA LOAN
DOWN TO 500 FICO SCORE
PURCHASE/STREAMLINE REFI
FHA LOAN DOWN TO 500 FICO
- Purchase
- Streamline Refinance
- Even One or No Score Scenarios!
- Looking for a 203K Loan? We can go down as low as 590 FICO!
Asset Depletion Mortgage Qualify with enough liquid assets to cover the loan balance
- Max 75% LTV Purchase
- Max 70% LTV Refinance
- Min 600 FICO
- Borrower does not have to be currently employed
- Only show two months of statements for qualifying account
- Owner-Occupied only
- Can use Liquid Assets
All program guidelines are subject to change without notice at any time. All programs are subject to credit approval, underwritting approval and acceptable property. This is not a commitment to lend. Equal Housing Lender.
