Alternative Loan Programs

Interest-Only option available
Ideal for borrowers who can’t provide fully documented income
Credit scores as low as 580
No seasoning for foreclosure, short sale, deed-in- lieu or bankruptcy
20% down payment
Loans up to $2 million
No pre-pay penalty for owner-occupied and second homes

Self-Employed Bank Statement Income Loan Program
This loan program is exclusively for self-employed borrowers with substantial reserves and a stable income. No tax returns or tax transcripts are required since income is conveniently supported by deposits from either personal or business bank statements.

One borrower must be self-employed and may have a W-2 co-borrower o Self-employed borrower must have minimum 2 years self-employment in the same business
Self-employed borrowers qualified using personal and/or business bank statements for the most recent 12 month period
Owner Occupied, 2nd home and investment
Loan amounts up to $3 million

Asset Qualification

Borrowers are qualified based on verified liquid assets
Loan amounts up to $3 million
No employment or income verified

Investor Program
This loan program is for a real estate investor who wants to purchase or refinance real estate property based on the property cash flow income.

No employment or income disclosed
Loan qualification based on the cash flow of the subject
property
Up to 8 properties or $2M for one borrower, whichever is less
Loan amount up to 75% of the property value

Foreign National

Designed for non U.S. citizens borrowers
No US credit needed
Loan amounts up to $2M
30 or 15 year fixed options
5/1, 7/1, and 10/1 ARM options
Interest Only option
Self-employed with a certified CPA letter
As low as 20% down payment

Hard Money Loan – Asset Based Loan Program
Is a loan secured by real estate. They are funded by private investors (or a fund of investors)

No Doc.- No Income Verification Loans Are Available
No Credit Checks – No Income Tax Returns
Both Commercial And Residential Loans Are Accepted
As low as 20% down
Quick 7 days closing once title completed