AVAILABLE PRODUCTS

VA
  • Purchase, Cash-Out, & IRRRL (Streamline) options available
  • Minimum 640 FICO for purchases and cash-out refinances
  • Minimum 680 FICO for IRRRL
  • Loan amounts to $1.5MM | Cash out up to $1.5MM
  • VA IRRRLs up to 100% Loan-to-Value (Use AVM or appraisal)
  • VA Cash-Out Refinance up to 90% Loan-to-Value per VA guidelines
  • 15 & 30 year fixed terms available
  • Property Types: Single-Family Residences, Planned Unit Developments, & Condos

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NON-QM

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Non-QM Product Gallery

We understand that not every borrower fits in a conventional loan program. Whether you have an established investor or a client who can qualify based on assets or bank statements our programs may be able to help obtain the perfect loan.

Non-QM Bank Statement Program Logo

For Self-Employed Borrowers

  • Qualify with 12 months bank statements
  • No tax returns
  • Loan amounts up to $3MM
  • Cash out up to $2.5MM
  • Up to 90% LTV
  • Short-term rental properties allowed
  • 40YR Interest Only
Non-QM Investor Program Logo

For Borrowers with Positive Cash Flow Properties

  • Qualify with subject property cash flow
  • No tax returns | No DTI calculated
  • Loan amounts up to $2.5MM
  • Cash out up to $2MM
  • Up to 80% LTV
  • Short-term rental properties allowed
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Non-QM Asset Qualification Program Logo

For Borrowers with High Cash Liquidity

  • Qualify based on verified liquid assets
  • No employment | No income | No DTI
  • Loan amounts up to $3MM
  • Cash out up to $2.5MM
  • Up to 90% LTV
  • Short-term rental properties allowed
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Non-QM Agency Plus Program Logo

For Borrowers Falling Just Outside Agency Guidelines

  • Jumbo alternative with I/O options
  • 1 year income verification option available
  • Shorter waiting periods for derogatory credit events (e.g. BK and foreclosure)
  • Loan amounts up to $3MM
  • Cash out up to $2.5MM
  • Up to 90% LTV
  • Short-term rental properties allowed
  • 40YR Interest Only
  • 1YR Full Doc