The Solution for Borrowers Falling Just Outside Agency Guidelines.


Program Highlights

  • LTV as high as 85% for cash-out refinances***
  • Jumbo alternative with I/O option
  • Loan amounts up to $3M for purchase, rate & term, and cash-out refi
  • 1 year income verification option available
  • Usable Assets: 100% checking & savings, 90% stocks/bonds/mutual funds, 70% retirement accounts (80% if retirement age)
  • FICO as low as 600 (or 660 for I/O)
  • Standard DTI max. up to 50% with flexibilities up to 55%
  • LTV ≤ 65% = Unlimited cash-out
  • Cash-out allowed for reserves
  • Gift funds allowed for reserves**
  • Multiple term options: 5/6 & 7/6 SOFR ARM* | 30YR Fixed* | 40YR Fixed 10YR I/O
  • Only 1 appraisal required when loan amount is ≤ $1.5MM
  • First time homebuyers allowed with no LTV restrictions

A borrower with a 25% or greater ownership interest in a business is considered self-employed.
*Interest only option available. No I/O in Illinois. | **Primary residence only. Minimum FICO 680 | ***For qualified borrowers. Restrictions may apply


How to Qualify

Qualify Traditionally as a Full Doc Loan
• 2 years W2 / tax return option
• 1 year W2 / tax return option
• 30 days of paystubs
• 2 months statements for reserves
• Verbal VOE


Our Commitment to You

  • Common Sense Underwriting With In-House Approvals
  • Closing In As Few As 10 Business Days
  • Referrals Valued & Brokers Protected
  • Committed to the Highest Level of Customer Satisfaction



Getting Started

To help you determine if a Rental Loan is right for you, please contact one of our licensed Loan Specialists by calling us directly at 844-574-LOAN (5626), by submitting the form on the right or by completing an application directly on our website.






Schedule a Loan Officer Consultation

To determine the right loan program with you, schedule some time with a loan officer to discuss your options. Call us at 844-574-5626 now or schedule a time to meet with a loan officer.

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