Details

Solutions for self-employed borrowers & small business owners
  • Utilize 12 or 24 Months of Bank Statements
  • Personal or Business Bank Statements
  • LTVs up to 90 on purchases and 80 on cash-out refinances
  • DTI up to 50
  • ITIN/DACA borrowers allowed
  • FICO down to 620
  • Primary Residences, Second Homes, and Investment Properties
  • Loan Amounts up to $3MM
  • Four Calculation Options Available
  • Two years out of a credit allowed
  • Two years self-employment required, less considered on an exception
  • Supplemental full doc income allowed
  • Multiple accounts/businesses may be used for business statements
  • 1x30x12 allowed
  • 1-4 unit properties, warrantable condos, PUDs, certain mixed use properties, non-warrantable condos/condotels, and manufactured homes allowed
  • No limit on cash out up to 75 LTV, $500k above
  • Primary earner FICO score utilized
  • Temporary buydowns allowed
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