Voltage Series

Our Voltage Series is a full suite of Non-QM products, with flexibility on qualifications for common sense loans. We administer all guideline exceptions in-house for a smooth process and greater autonomy.
Full Documentation Details
  • Self-Employed Borrowers may provide 1 year's tax returns
  • Asset Depletion allowed as supplemental income
  • LTVs up to 90 on purchases and 80 on cash-out refinances
  • DTI up to 55
  • FICO down to 620
  • Loan Amounts up to $3MM
  • No limit on cash out up to 75 LTV, $500k above
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Bank Statement Details
  • Utilize 12 or 24 Months of Bank Statements
  • LTVs up to 90 on purchases and 80 on cash-out refinances
  • DTI up to 50
  • FICO down to 620
  • Loan Amounts up to $3MM
  • No limit on cash out up to 75 LTV, $500k above
Download Product MatrixLearn More
1099 Only Details
  • Utilize 1 or 2 years of 1099s
  • LTVs up to 90 on purchases and 80 on cash-out refinances
  • DTI up to 50
  • FICO down to 620
  • Primary Residences, Second Homes, and Investment Properties
  • Loan Amounts up to $3MM
Download Product MatrixLearn More
P&L Only Details
  • Income calculated based on net income from third-party prepared P&L statement
  • Max 80 LTV on purchase and 70 on cash-out refinances
  • DTI up to 50
  • FICO down to 680
  • Loan amounts up to $2MM
  • Primary Residences, Second Homes, and Investment Properties
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WVOE Only Details
  • Income calculated based on a Written Verification of Employment
  • Max 80 LTV on purchase and 70 on cash-out refinances
  • DTI up to 50
  • FICO down to 680
  • Loan amounts up to $2MM
  • Primary Residences, Second Homes, and Investment Properties
Download Product MatrixLearn More
Asset Qualifier Details
  • Qualification based on assets only, no qualifying income or DTI calculated
  • LTVs up to 90 on purchases and 80 on cash-out refinances
  • Three calculation methods
  • FICO down to 620
  • Primary Residences, Second Homes, and Investment Properties
  • Loan Amounts up to $3MM
Download Product MatrixLearn More
Investor Cash Flow DSCR Details
  • Qualification based on subject property's debt service coverage ratio (DSCR) only
  • LTVs up to 80 on purchases and 75 on cash-out refinances
  • DSCRs down to .75
  • FICO down to 620
  • Investment Properties
  • Loan Amounts up to 3MM
Download Product MatrixLearn More
Foreign National Details
  • Qualify on Asset Qualification or DSCR
  • LTVs up to 75 on purchases and 70 on refinances
  • DSCRs down to 1.0 allowed on DSCR
  • Second Homes and Investment Properties
  • FICO down to 620
  • Loan Amounts up to $3MM
  • No US credit required
Download Product MatrixLearn More

Voltage Series

Our Voltage Series is a full suite of Non-QM products, with flexibility on qualifications for common sense loans. We administer all guideline exceptions in-house for a smooth process and greater autonomy.

Full Documentation

Solutions for agency and jumbo fallout

Full Documentation Details

  • Self-Employed Borrowers may provide 1 year's tax returns
  • Asset Depletion allowed as supplemental income
  • LTVs up to 90 on purchases and 80 on cash-out refinances
  • DTI up to 55
  • FICO down to 620
  • Loan Amounts up to $3MM
  • No limit on cash out up to 75 LTV, $500k above
Download Product MatrixLearn More
Bank Statement

Solutions for self-employed borrowers & small business owners

Bank Statement Details

  • Utilize 12 or 24 Months of Bank Statements
  • LTVs up to 90 on purchases and 80 on cash-out refinances
  • DTI up to 50
  • FICO down to 620
  • Loan Amounts up to $3MM
  • No limit on cash out up to 75 LTV, $500k above
Download Product MatrixLearn More
1099 Only

Solutions for independent contractor borrowers

1099 Only Details

  • Utilize 1 or 2 years of 1099s
  • LTVs up to 90 on purchases and 80 on cash-out refinances
  • DTI up to 50
  • FICO down to 620
  • Primary Residences, Second Homes, and Investment Properties
  • Loan Amounts up to $3MM
Download Product MatrixLearn More
P&L Only

Alternative documentation options for self-employed borrowers

P&L Only Details

  • Income calculated based on net income from third-party prepared P&L statement
  • Max 80 LTV on purchase and 70 on cash-out refinances
  • DTI up to 50
  • FICO down to 680
  • Loan amounts up to $2MM
  • Primary Residences, Second Homes, and Investment Properties
Download Product MatrixLearn More
WVOE Only

Streamlined solutions for W2 employees for agency, jumbo & government fallout

WVOE Only Details

  • Income calculated based on a Written Verification of Employment
  • Max 80 LTV on purchase and 70 on cash-out refinances
  • DTI up to 50
  • FICO down to 680
  • Loan amounts up to $2MM
  • Primary Residences, Second Homes, and Investment Properties
Download Product MatrixLearn More
Asset Qualifier

Solutions for high net worth borrowers with significant documented financial assets

Asset Qualifier Details

  • Qualification based on assets only, no qualifying income or DTI calculated
  • LTVs up to 90 on purchases and 80 on cash-out refinances
  • Three calculation methods
  • FICO down to 620
  • Primary Residences, Second Homes, and Investment Properties
  • Loan Amounts up to $3MM
Download Product MatrixLearn More
Investor Cash Flow DSCR

Solutions for real estate investors

Investor Cash Flow DSCR Details

  • Qualification based on subject property's debt service coverage ratio (DSCR) only
  • LTVs up to 80 on purchases and 75 on cash-out refinances
  • DSCRs down to .75
  • FICO down to 620
  • Investment Properties
  • Loan Amounts up to 3MM
Download Product MatrixLearn More
Foreign National

Solutions for non-us citizen borrowers living overseas

Foreign National Details

  • Qualify on Asset Qualification or DSCR
  • LTVs up to 75 on purchases and 70 on refinances
  • DSCRs down to 1.0 allowed on DSCR
  • Second Homes and Investment Properties
  • FICO down to 620
  • Loan Amounts up to $3MM
  • No US credit required
Download Product MatrixLearn More

High Voltage Series

For premier borrowers looking to qualify using full doc, bank statements, or DSCR, our High Voltage Series delivers industry-leading pricing benefits.
Full Documentation Details
  • Loan amounts up to $3MM
  • Up to 85 LTV on Purchases, 80 LTV on Rate/Term Refinances, and 75 LTV on Cash Out Refinances
  • DTI up to 50 allowed
  • Credit scores down to 660
  • Primary Residences, Second Homes, and Investment Properties
  • Up to $1MM cash in hand
  • Interest only products available
Download Product MatrixLearn More
Bank Statement Details
  • Loan amounts up to $3MM
  • Up to 85 LTV on Purchases, 80 LTV on Rate/Term Refinances, and 75 LTV on Cash Out Refinances
  • DTI up to 50 allowed
  • Credit scores down to 660
  • Primary Residences, Second Homes, and Investment Properties
  • 12 or 24 months of personal or business bank statements may be relied upon for underwriting
  • Up to $1MM cash in hand
  • Interest only products available
Download Product MatrixLearn More
Investor Cash Flow DSCR
  • Qualify based on the subject property’s debt service coverage ratio (DSCR) only
  • Loan amounts up to $2MM
  • Up to 80 LTV on Purchases, 75 LTV on Rate/Term Refinances, and 70 LTV on Cash Out Refinances
  • DSCRs down to 1.0
  • Credit scores down to 680 on Purchases or Rate/Term refinances and 720 on Cash Out Refinances
  • Eligible on investment properties
Download Product MatrixLearn More

High Voltage Series

For premier borrowers looking to qualify using full doc, bank statements, or DSCR, our High Voltage Series delivers industry-leading pricing benefits.

Full Documentation

Solutions for agency and jumbo fallout

Full Documentation Details

  • Loan amounts up to $3MM
  • Up to 85 LTV on Purchases, 80 LTV on Rate/Term Refinances, and 75 LTV on Cash Out Refinances
  • DTI up to 50 allowed
  • Credit scores down to 660
  • Primary Residences, Second Homes, and Investment Properties
  • Up to $1MM cash in hand
  • Interest only products available
Download Product MatrixLearn More
Bank Statement

Solutions for self-employed borrowers & small business owners

Bank Statement Details

  • Loan amounts up to $3MM
  • Up to 85 LTV on Purchases, 80 LTV on Rate/Term Refinances, and 75 LTV on Cash Out Refinances
  • DTI up to 50 allowed
  • Credit scores down to 660
  • Primary Residences, Second Homes, and Investment Properties
  • 12 or 24 months of personal or business bank statements may be relied upon for underwriting
  • Up to $1MM cash in hand
  • Interest only products available
Download Product MatrixLearn More
Investor Cash Flow DSCR

Solutions for real estate investors

Investor Cash Flow DSCR

  • Qualify based on the subject property’s debt service coverage ratio (DSCR) only
  • Loan amounts up to $2MM
  • Up to 80 LTV on Purchases, 75 LTV on Rate/Term Refinances, and 70 LTV on Cash Out Refinances
  • DSCRs down to 1.0
  • Credit scores down to 680 on Purchases or Rate/Term refinances and 720 on Cash Out Refinances
  • Eligible on investment properties
Download Product MatrixLearn More