Conventional

 

  • Loan Amounts to $625,500
  • Fannie Mae, Freddie Mac, Portfolio
  • 600 Minimum FICO
  • 40, 30, 25, 20, 15 and 10 Year Fixed
  • 10-1, 7-1, 5-1, 3-1 ARM
  • Interest Only Payment Option
  • Up to 97% LTV – No Mortgage Insurance
  • Up to 10 Financed Properties

 

Jumbo

 

  • Loan Amounts to $10,000,000
  • 90% LTV to $1,100,000 – No Mortgage Insurance
  • 80% LTV to $3,000,000
  • 70% LTV to $5,000,000
  • 65% LTV to $10,000,000
  • 30, 20, 15 Year Fixed
  • 10-1, 7-1, 5-1, and 3-1 ARM
  • Interest Only Payment Option
  • Asset Depletion for Income Accepted
  • Cross-collateralize Accepted

 

FHA

 

  • Loan Amounts to $729,750
  • 580 Minimum FICO
  • 30, 25, 20, 15 and 10 Year Fixed
  • 5-1 ARM
  • HUD REO’s Allowed
  • Flipping Rules Waiver Accepted
  • Non-Occupant Co-Borrower Allowed

 

VA

 

  • Loan Amounts to $1,000,000
  • 600 Minimum FICO
  • 30, 25, 20, 15 and 10 Year Fixed
  • No Flipping Restrictions

USDA
Fannie Mae Home Path
Freddie Mac Home Possible

 

Available Niches

 

  • 1 Day Waiting Period After Short Sale
  • Cash Out Refinance with 1×30 on Mortgage Last 12 Months
  • No Seasoning for Cash Out Refinance – Non-Owner Occupied OK
  • Appraisal Transfers Accepted
  • Up to 97% Loan to Value – No Mortgage Insurance
  • Condos up to 97% Loan to Value – No Mortgage Insurance
  • Non-Owner Occupied to 85% Loan to Value – Conventional
  • Non-Owner Occupied with No Maximum Properties
  • Home Equity Lines of Credit to 90% Combined Loan to Value
  • Equity Line of Credit for Owner Occupied, Non-Owner and 2nd Home
  • Seller Carry Backs in 2nd Position Allowed to 90% Combined Loan to Value
  • Investor Flips Selling in Less Than 90 Days
  • Non-Arm’s Length / AIT Transactions
  • Re-Certification of Appraisal Value Allowed Up to 12 Months
  • Delayed Financing for Cash Purchase, No 6 Month Waiting Period – O/O, 2nd Home, Invest. Prop.
  • Gift Funds Accepted above 80% Loan to Value
  • Business Funds Used for Down Payment, Closing Costs and/or Reserves
  • Non-Occupant Co-Borrowers Accepted to Help Qualify – No Mortgage Insurance
  • Foreign Nationals With No Social Security Number Accepted
  • Foreign Income Accepted
  • Expanded Citizenship and Residency Status
  • Alternative Income Documentation Accepted
  • Stated Income Accepted
  • Non-Warrantable Condos Accepted, Including Co-Ops and Condo-Tels
  • Condo Projects in Litigation Accepted
  • Hobby Farms
  • Uniform Trust Accounts from Minors Accepted as Assets
  • Title in LLC, LLP, Corp, Irrevocable Trust or Blind Trust
  • Cross Collateralization
  • Asset Depletion to Qualify for Income
  • Up to 20 Acres
  • $10,000,000 Super Jumbo Loan Amount
  • $2,000,000 Loan Amount up to 90% Loan to Value – No Mortgage Insurance
  • Securities Based Funding – Using Securities, Stocks, Bonds, etc. as Collateral
  • Rental Income on Current O/O Property with No Landlord History
  • Rental Income on Current O/O Property with No Minimum Equity
  • Commercial Mortgages for All Commercial Property Types
  • Construction Loans
  • Multi-Family Mortgage – Agency and Portfolio
  • No Maximum Acreage
  • Manufactured Homes Allowed
  • Buyers Paying Fees for Seller on Short Sale Accepted
  • Equal Opportunity Mortgage Program (EOM) – $625,500 to 95% Loan to Value