Products

Non-QM Loans Designed For Loan Originators

Jumbo Prime
(Full Doc)

Primary (OO), 2nd Home & NOO
90% LTV to $1,500,000 (OO)
90% CLTV to $2,000,000 (OO)
80% LTV to $2,000,000 (OO)
75% LTV to $1,500,000 (NOO)
70% LTV to $3,000,000 (OO)
680 Minimum FICO
15 & 30 Fixed - 5/1, 7/1, 10/1 ARM

Portfolio
(Full Doc)

Primary (OO), 2nd Home & NOO
90% CLTV to $1,500,000 (OO)
80% LTV to $2,500,000 (OO)
80% CLTV to $4,000,000 (OO)
75% LTV to $3,500,000 (OO)
70% LTV to $4,000,000 (OO)
680 Minimum FICO
5/1 and 7/1 ARMs

Portfolio
(Alt Doc)

Primary (OO), 2nd Home & NOO
80% CLTV to $3,500,000 (OO)
75% LTV to $1,500,000 (OO)
70% LTV to $2,500,000 (OO)
65% LTV to $3,500,000 (OO)
60% LTV to $1,500,000 (NOO)
700 Minimum FICO
5/1 and 7/1 ARMs

Alt- A
(Full & Alt Doc)

Primary (OO) & 2nd Home
95% LTV to $1,500,000 (Pur)
90% LTV to $1,500,000 (Pur/R&T)
85% LTV to $2,500,000 (Pur/R&T))
80% LTV to $3,000,000 (Pur/R&T)
70% LTV to $5,000,000 (Pur/R&T)
660 Minimum FICO
15, 30 & 40 Fixed - 5/1 & 7/1 ARM

Non-Prime
(Full & Alt Doc)

Primary (OO) & 2nd Home
90% LTV to $1,500,000 (Pur/R&T)
85% LTV to $1,500,000 (C/O)
85% LTV to $2,000,000 (Pur/R&T)
80% LTV to $3,000,000 (Pur/R&T)
70% LTV to $5,000,000 (Pur/R&T)
500 Minimum FICO
15, 30 & 40 Fixed - 5/1 & 7/1 ARM

Investor DTI
(Full & Alt Doc)

NOO for Individual(s) or Entities
80% LTV to $1,000,000 (Pur/R&T)
75% LTV to $1,000,000 (C/O)
75% LTV to $1,500,000 (Pur/R&T)
70% LTV to $3,000,000 (Pur/R&T)
65% LTV to $5,000,000 (Pur/R&T)
540 Minimum FICO
15 & 30 Fixed - 5/1 & 7/1 ARM

Investor DSCR & No Doc
(Full & Alt Doc)

NOO for Individual(s) or Entities
80% LTV to $1,000,000 (Pur/R&T)
75% LTV to $1,500,000 (Pur/R&T)
70% LTV to $2,000,000 (Pur/R&T)
65% LTV to $3,000,000 (Pur/R&T)
65% LTV to $3,000,000 (Pur/R&T)
620 Minimum FICO
15 & 30 Fixed - 3/1, 5/1 & 7/1 ARM

Foreign National
(Full & Alt Doc)

2nd Home & Non-Owner (NOO)
75% LTV to $1,500,000 (Pur/R&T)
70% LTV to $2,000,000 (Pur/R&T)
65% LTV to $3,000,000 (Pur/R&T)
60% LTV to $4,000,000 (Pur/R&T)
55% LTV to $5,000,000 (Pur/R&T)
620 Minimum or No FICO
15 & 30 Fixed - 3/1, 5/1 & 7/1 ARM

Bridge
(No Doc)

NOO for Entities Only
80% LTV to $3,000,000 (Pur)
75% LTV to $5,000,000 (Pur)
75% LTV to $1,500,000 (R&T)
70% LTV to $5,000,000 (Pur)
70% LTV to $1,500,000 (C/O)
70% LTV to $1,500,000 (C/O)
600 Minimum FICO
12, 18 and 24 Month Interest Only

Fix & Flip
(No Doc)

NOO for Entities Only
90% LTC to $2M Highly Experienced
85% LTC to $4M Highly Experienced
90% LTC to $1.25M Experienced
85% LTC to $1M Limited Experience
80% LTC to $500K No Experience
600 Minimum FICO
12, 18 and 24 Month Interest Only

ITIN & Other
(Full & Alt Doc)

Primary (OO) & 2nd Home
85% LTV Conforming Outside CA
80% LTV Conforming in CA
75% LTV > Conforming to $1.0M
65% LTV > $1.0M to $1.5M
60% LTV > $1.5M to $2.0M
640 Minimum FICO
15, 20 and 30 Year Fixed