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.
Application Visa Documents**
- NAFTA
- NATO
- L-1
- 0-1-R
- B-1, B-2
- E-1, E-2, E-3
- EB-5
- G-1 TO G-5
- H-1