Stated Programs

Program A-
Stated Income/Stated Assets
$100,000-$1,000,000

• Up to 85% LTV (90% CLTV)
• 1, 2, 5, 15, 20, 25 & 30 yr Fixed
• Fully amortized for 15 to 30 yrs (no balloons)
• No DSCR requirement
• No seasoning required
• Most property types
• Fast closings
• 575+ credit score

Program B-
Stated Income/Verified Assets
$1,000,000-$2,000,000

• Up to 80% LTV (90% CLTV)
• 3, 5, 7 &10 yr Fixed
• 30 yr fully amortized (no balloons)
• Debt service requirement 1.20-1.35
• 600+ credit score

Program E-
Stated Income/Stated Assets
$250,000-$2,000,000

• Up to 90% LTV
• 30 yr fully amortized (no balloons)
• Debt service requirement 1.00-1.25
• Ability to pay up to 20% of principal per year without penalty
• 650+ credit score

Program G-
No Income, No Employment, No Assets
$100,000-$5,000,000

• Best stated interest rates
• Up to 75% LTV (80% CLTV)
• Up to 30 yr amortization
• 1 ,3 ,5, 10 & 15 yr fixed
• Debt service requirement 1.20-1.30
• 2 & 5 yr. interest only options available
• Geographical restrictions
• 620+ credit score

Full Documenation Programs

Program A-
$100,000-$1,500,000

• Up to 90% LTV (95% CLTV)
• 2, 3, 7 & 30 yr Fixed
• Fully amortized for 15, 20 & 30 yrs (no balloons)
• Discretionary income may be used to meet DSCR requirements
• Debt service requirement 1.20
• 580+ credit score

Program B-
$100,000-$3,000,000

• Up to 80% LTV (90% CLTV)
• 3, 5, 7,10 Yr Fixed
• 30 yr fully amortized (no balloons)
• Discretionary income may be used to meet DSCR requirements
• Debt service requirement 1.20-1.35
• 600+ credit score

Program D-
$500,000-$10,000,000

• Multifamily up to 80% LTV (90% CLTV)
• Commercial up to 75% LTV (90% CLTV)
• 6 mo ARM, 3, 5, 7, 10 & 15 yr Fixed
• Fast Closings
• Debt Service Coverage Ratio: Multifamily 1.20/Commercial 1.25
• 660+ credit score

Program E-
$250,000-$5,000,000

• Up to 90% LTV
• 30 yr fully amortized (no balloons)
• Debt service requirement 1.25
• Ability to pay up to 20% of principal per year without penalty
• 600+ credit score