Details

Solutions for agency and jumbo fallout
  • Self-Employed Borrowers may provide 1 year's tax returns
  • Recent conversions from W-2 to 1099 allowed
  • Asset Depletion allowed as supplemental income
  • 1x30x12 allowed
  • LTVs up to 90 on purchases and 80 on cash-out refinances
  • No limit on cash out up to 75 LTV, $500k above
  • DTI up to 55
  • ITIN/DACA borrowers allowed
  • FICO down to 620
  • No FICO score option available
  • Primary earner FICO score utilized
  • Primary Residences, Second Homes, and Investment Properties
  • 1-4 unit properties, warrantable condos, PUDs, certain mixed use properties, non-warrantable condos/condotels, and manufactured homes allowed
  • Two years out of a credit event allowed
  • Loan Amounts up to $3MM
  • Temporary buydowns allowed
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