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| CRITERIA | LOAN DETAILS |
|---|---|
| CREDIT | |
| CREDIT TRADELINES | Minimum of 3 Tradelines |
| OCCUPANCY | Primary or Secondary Homes Only |
| TERMS | 10, 15, 20, 30 Yr Fixed Avalaible |
| TRANSACTIONS | Purchase, Refinance Rate & Term, or Refinance Cash-Out |
| ELIGIBLE PROPERTIES | SFR, Condos, and 1-4 Units |
| MINIMUM LOAN AMOUNT | $65k |
| MAXIMUM LOAN AMOUNT | $350k |
| LTV | - Max LTV 80% for a 2nd home w/ Full Documentation |
| MAX COMBINED LIENS | - Max LTV w/ Owner Occupied home and bank statement is 85% |
| APPRAISAL REQUIRED | Yes |
| SQUARE FOOTAGE | No properties under 600 sq ft |
| BANK STATEMENTS | None Required |
| CLOSING TIME | 30 days |
| EMPLOYMENT | Full Documentation or 12-24 Months Bank Statements |
| VESTING | Individual Only |
| HOUSING LATES | 0 in the last 12 months |
| HOUSING CREDIT EVENTS | 4 Year Seasoning |
| PROPERTIES LISTED FOR SALE | If listed for sale in the last 12 months are not eligible. |
| ELIGIBLE BORROWERS | Non-occupant co-borrowers are ineligible borrowers |
| NOTES | 6 Months of Seasoning is required |
| CRITERIA | LOAN DETAILS |
|---|---|
| CREDIT | |
| CREDIT TRADELINES | Minimum of 3 Tradelines |
| OCCUPANCY | Primary or Secondary Homes Only |
| TERMS | 30 Yr Fixed Available |
| TRANSACTIONS | Purchase, Refinance Rate & Term, or Refinance Cash-Out |
| ELIGIBLE PROPERTIES | SFR, Condos (Established Projects Only), and 1-4 Units |
| MINIMUM LOAN AMOUNT | $50k |
| MAXIMUM LOAN AMOUNT | $500K |
| LTV | |
| APPRAISAL REQUIRED | Yes |
| SEASONING REQUIREMENTS | - 0-6 Months < - Must use the lower of the purchase price or appraised value - > 6 Months - may use appraised value |
| VESTING | LLC, Corp. , Partnership, or Irrevocable Trust are Not Permitted |
| CLOSING TIME | 30 Days |
| EMPLOYMENT | Full Documentation |
| MORTGAGE ACCOUNT | - The first mortgage loan cannot be in an active deferment or forbearance period. If expired a minimum of three-month timely payments must be documented - Charge-off on a mortgage account, deed in lieu, pre-foreclosure, or short sale - 4 years seasoning |
| CH 7 OR 11 BANKRUPTCY | 4 Years from Discharge or Dismissal Date |
| CH 13 BANKRUPTCY | 2 years from Discharge or Dismissal Date |
| FORECLOSURE | 7 Years of Seasoning |
| HOUSING CREDIT EVENTS | 4 Year Seasoning |
| ESCROW | Not permitted |
| ELIGIBLE BORROWERS | Non-occupant co-borrowers are ineligible borrowers |
| NOTES | Paying off debt to qualify is permitted (paying down debt to qualify is not permitted) |
| CRITERIA | LOAN DETAILS |
|---|---|
| CREDIT TRADELINES | Minimum of 3 Tradelines |
| OCCUPANCY | Primary or Secondary Homes Only |
| TERMS | 30 Yr Fixed Available |
| TRANSACTIONS | Purchase, Refinance Rate & Term, or Refinance Cash-Out |
| ELIGIBLE PROPERTIES | SFR, Condos, and 1-4 Units |
| MINIMUM LOAN AMOUNT | $50k |
| MAXIMUM LOAN AMOUNT | $3 Million |
| LTV | Up to 85% CLTV |
| APPRAISAL REQUIRED | Yes |
| SEASONING REQUIREMENTS | - 0-6 Months < - Must use the lower of the purchase price or appraised value - > 6 Months - may use appraised value |
| VESTING | LLC, Corp. , Partnership, or Irrevocable Trust are Not Permitted |
| CLOSING TIME | 30 Days |
| EMPLOYMENT | No Tax Returns unless under 500 |
| MORTGAGE ACCOUNT | - The first mortgage loan cannot be in an active deferment or forbearance period. If expired a minimum of three-month timely payments must be documented - Charge-off on a mortgage account, deed in lieu, pre-foreclosure, or short sale - 4 years seasoning |
| CH 7 OR 11 BANKRUPTCY | No Bankruptcy in the last 5 years |
| CH 13 BANKRUPTCY | 2 years from Discharge or Dismissal Date |
| FORECLOSURE | 7 Years of Seasoning |
| CREDIT EVENTS | No 90-day mortgage delinquencies in the past 2 years. No 120-day delinquencies in the past 3 years. No judgements or pending litigation impacting the subject property. |
| ESCROW | Not permitted |
| ELIGIBLE BORROWERS | U.S. Citizen or Permanent Resident |
| NOTES | Finance with no monthly payments. Get Cash in exchange for a percentage of your home’s future value |
| CRITERIA | LOAN DETAILS |
|---|---|
| CREDIT | None required. If you do, minimum is 640 |
| DOWN PAYMENT | 25% |
| OCCUPANCY | 2nd Home or Investment only |
| TERMS | 30 Yr Fixed |
| TRANSACTIONS | Purchase, Refinance Rate & Term, or Refinance Cash-Out |
| ELIGIBLE PROPERTIES | SFR, Condos, and 1-4 Units |
| MINIMUM LOAN AMOUNT | $150k |
| MAXIMUM LOAN AMOUNT | $2 Mil |
| LTV | Max 75%. Refinance Cash-out Max LTV is 65% |
| EMPLOYMENT | Full documentation with a Maximum Debt-To-Income Ratio 50% |
| APPRAISAL REQUIRED | Yes |
| BANK STATEMENTS | 2 Month Bank Statement in an American Bank. |
| CLOSING TIME | 30 DAYS |
| RESERVES | 6 Months Required |
| HOUSING EVENTS | No Mortgage Lates |
| CREDIT EVENTS | No credit events such as bankruptcies, foreclosures, and short sales within the last 3 years |
| ELIGIBLE BORROWERS | Foreign Nationals (Passport is required) |
| NOTES | - In order to be eligible for a cash-out you must have owned the property for at least 6 months - There is no non-occupying co-borrower allowed on the loan. |
| CRITERIA | LOAN DETAILS |
|---|---|
| CREDIT | |
| CREDIT TRADELINES | Minimum of 3 Tradelines |
| OCCUPANCY | Primary or Secondary Homes Only |
| TERMS | 10, 15, 20, 30 Yr Fixed Avalaible |
| TRANSACTIONS | Purchase, Refinance Rate & Term, or Refinance Cash-Out |
| ELIGIBLE PROPERTIES | SFR, Condos, and 1-4 Units |
| MINIMUM LOAN AMOUNT | $65k |
| MAXIMUM LOAN AMOUNT | $350k |
| LTV | - Max LTV 80% for a 2nd home w/ Full Documentation |
| MAX COMBINED LIENS | - Max LTV w/ Owner Occupied home and bank statement is 85% |
| APPRAISAL REQUIRED | Yes |
| SQUARE FOOTAGE | No properties under 600 sq ft |
| BANK STATEMENTS | None Required |
| CLOSING TIME | 30 days |
| EMPLOYMENT | Full Documentation or 12-24 Months Bank Statements |
| VESTING | Individual Only |
| HOUSING LATES | 0 in the last 12 months |
| HOUSING CREDIT EVENTS | 4 Year Seasoning |
| PROPERTIES LISTED FOR SALE | If listed for sale in the last 12 months are not eligible. |
| ELIGIBLE BORROWERS | Non-occupant co-borrowers are ineligible borrowers |
| NOTES | 6 Months of Seasoning is required |
| CRITERIA | LOAN DETAILS |
|---|---|
| CREDIT | |
| CREDIT TRADELINES | Minimum of 3 Tradelines |
| OCCUPANCY | Primary or Secondary Homes Only |
| TERMS | 30 Yr Fixed Available |
| TRANSACTIONS | Purchase, Refinance Rate & Term, or Refinance Cash-Out |
| ELIGIBLE PROPERTIES | SFR, Condos (Established Projects Only), and 1-4 Units |
| MINIMUM LOAN AMOUNT | $50k |
| MAXIMUM LOAN AMOUNT | $500K |
| LTV | |
| APPRAISAL REQUIRED | Yes |
| SEASONING REQUIREMENTS | - 0-6 Months < - Must use the lower of the purchase price or appraised value - > 6 Months - may use appraised value |
| VESTING | LLC, Corp. , Partnership, or Irrevocable Trust are Not Permitted |
| CLOSING TIME | 30 Days |
| EMPLOYMENT | Full Documentation |
| MORTGAGE ACCOUNT | - The first mortgage loan cannot be in an active deferment or forbearance period. If expired a minimum of three-month timely payments must be documented - Charge-off on a mortgage account, deed in lieu, pre-foreclosure, or short sale - 4 years seasoning |
| CH 7 OR 11 BANKRUPTCY | 4 Years from Discharge or Dismissal Date |
| CH 13 BANKRUPTCY | 2 years from Discharge or Dismissal Date |
| FORECLOSURE | 7 Years of Seasoning |
| HOUSING CREDIT EVENTS | 4 Year Seasoning |
| ESCROW | Not permitted |
| ELIGIBLE BORROWERS | Non-occupant co-borrowers are ineligible borrowers |
| NOTES | Paying off debt to qualify is permitted (paying down debt to qualify is not permitted) |
| CRITERIA | LOAN DETAILS |
|---|---|
| CREDIT TRADELINES | Minimum of 3 Tradelines |
| OCCUPANCY | Primary or Secondary Homes Only |
| TERMS | 30 Yr Fixed Available |
| TRANSACTIONS | Purchase, Refinance Rate & Term, or Refinance Cash-Out |
| ELIGIBLE PROPERTIES | SFR, Condos, and 1-4 Units |
| MINIMUM LOAN AMOUNT | $50k |
| MAXIMUM LOAN AMOUNT | $3 Million |
| LTV | Up to 85% CLTV |
| APPRAISAL REQUIRED | Yes |
| SEASONING REQUIREMENTS | - 0-6 Months < - Must use the lower of the purchase price or appraised value - > 6 Months - may use appraised value |
| VESTING | LLC, Corp. , Partnership, or Irrevocable Trust are Not Permitted |
| CLOSING TIME | 30 Days |
| EMPLOYMENT | No Tax Returns unless under 500 |
| MORTGAGE ACCOUNT | - The first mortgage loan cannot be in an active deferment or forbearance period. If expired a minimum of three-month timely payments must be documented - Charge-off on a mortgage account, deed in lieu, pre-foreclosure, or short sale - 4 years seasoning |
| CH 7 OR 11 BANKRUPTCY | No Bankruptcy in the last 5 years |
| CH 13 BANKRUPTCY | 2 years from Discharge or Dismissal Date |
| FORECLOSURE | 7 Years of Seasoning |
| CREDIT EVENTS | No 90-day mortgage delinquencies in the past 2 years. No 120-day delinquencies in the past 3 years. No judgements or pending litigation impacting the subject property. |
| ESCROW | Not permitted |
| ELIGIBLE BORROWERS | U.S. Citizen or Permanent Resident |
| NOTES | Finance with no monthly payments. Get Cash in exchange for a percentage of your home’s future value |
| CRITERIA | LOAN DETAILS |
|---|---|
| CREDIT | None required. If you do, minimum is 640 |
| DOWN PAYMENT | 25% |
| OCCUPANCY | 2nd Home or Investment only |
| TERMS | 30 Yr Fixed |
| TRANSACTIONS | Purchase, Refinance Rate & Term, or Refinance Cash-Out |
| ELIGIBLE PROPERTIES | SFR, Condos, and 1-4 Units |
| MINIMUM LOAN AMOUNT | $150k |
| MAXIMUM LOAN AMOUNT | $2 Mil |
| LTV | Max 75%. Refinance Cash-out Max LTV is 65% |
| EMPLOYMENT | Full documentation with a Maximum Debt-To-Income Ratio 50% |
| APPRAISAL REQUIRED | Yes |
| BANK STATEMENTS | 2 Month Bank Statement in an American Bank. |
| CLOSING TIME | 30 DAYS |
| RESERVES | 6 Months Required |
| HOUSING EVENTS | No Mortgage Lates |
| CREDIT EVENTS | No credit events such as bankruptcies, foreclosures, and short sales within the last 3 years |
| ELIGIBLE BORROWERS | Foreign Nationals (Passport is required) |
| NOTES | - In order to be eligible for a cash-out you must have owned the property for at least 6 months - There is no non-occupying co-borrower allowed on the loan. |
