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Home / LOAN PROGRAMS / Non-traditional

Non-traditional

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Summary

All too often, some of our most important home buyers have a tough time securing a home loan. We are here to serve you and have loan products to back your home loan needs!

Available Programs

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Self-Employed Loan: Use bank statements or 1099s to qualify for a loan! These are our most popular self-employed loan programs
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Asset-Based Loan: Loan programs based on your assets not your income
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Recent Credit Event Loan : One year seasoning for foreclosure, short sale or deed-in-lieu. Two years seasoning for bankruptcy
■ Programs
EXPLORE OUR LOAN OPTIONS

Self Employed Loan

Use bank statements or 1099s to qualify for a loan! These are our most popular self-employed loan programs.

QUALIFICATIONS

MINIMUM DOWN PAYMENT
10% OF SALES PRICE
MINIMUM CREDIT SCORE
600
MAX DEBT-TO-INCOME RATIO
50%
NON-OCCUPANT CO-BORROWER
ALLOWED
MORTGAGE INSURANCE
NO
ELIGIBLE PROPERTY TYPES
SINGLE FAMILY RESIDENCE, 1-4 UNIT, PUDS, TOWNHOUSE, CONDO, NON-WARRANTABLE CONDO, CONDOTELS
RESERVES
3-12 MONTHS (BASED ON LOAN AMOUNT)
LOAN AMOUNT
$150,000 TO $8,500,000
OCCUPANCY TYPE
PRIMARY, SECONDARY, AND INVESTMENT

Asset Based Loan

Loan program based on your assets not your income!

QUALIFICATIONS

MINIMUM DOWN PAYMENT
20% OF SALES PRICE
MINIMUM CREDIT SCORE
660
MAX DEBT-TO-INCOME RATIO
50%
NON-OCCUPANT CO-BORROWER
ALLOWED
MORTGAGE INSURANCE
NO
ELIGIBLE PROPERTY TYPES
SINGLE FAMILY RESIDENCE, 1-4 UNIT, PUDS, TOWNHOUSE, CONDO, NON-WARRANTABLE CONDO, AND CONDOTELS
MAX LOAN AMOUNT
$150,000 TO $4,000,000
RESERVES
110% OF LOAN AMOUNT + 6-12 MONTHS (BASED ON LOAN AMOUNT)
OCCUPANCY TYPE
PRIMARY, SECONDARY, AND INVESTMENT

Recent Credit Event Loan

One year seasoning for foreclosure, short sale or deed-in-lieu. Two years seasoning for bankruptcy.

QUALIFICATIONS

MINIMUM DOWN PAYMENT
10% OF SALES PRICE
MINIMUM CREDIT SCORE
600
MAX DEBT-TO-INCOME RATIO
50%
NON-OCCUPANT CO-BORROWER
ALLOWED
MORTGAGE INSURANCE
NO
ELIGIBLE PROPERTY TYPES
SINGLE FAMILY RESIDENCE, 1-4 UNIT, PUDS, TOWNHOUSE, CONDO, AND NON-WARRANTABLE CONDO
RESERVES
3-12 MONTHS (BASED ON LOAN AMOUNT)
LOAN AMOUNT
$150,000 TO $2,500,000
OCCUPANCY TYPE
PRIMARY, SECONDARY, AND INVESTMENT

Frequently Asked Questions

I'm a real estate investor, what's your minimum credit score?
Case by case basis but usually 500
Do you offer any 100% for first time home buyers?

We know the industry and know how much other companies are trying to make off every loan. We have our comp levels set at least a half point lower than the competition which allows our company to always provide the lowest rate at the lowest cost on any given day.

What's the minimum down payment needed for a first time home buyer?

We know the industry and know how much other companies are trying to make off every loan. We have our comp levels set at least a half point lower than the competition which allows our company to always provide the lowest rate at the lowest cost on any given day.

What's the min credit score for a first time home buyer

We know the industry and know how much other companies are trying to make off every loan. We have our comp levels set at least a half point lower than the competition which allows our company to always provide the lowest rate at the lowest cost on any given day.

What if my credit score is less than 580?

We know the industry and know how much other companies are trying to make off every loan. We have our comp levels set at least a half point lower than the competition which allows our company to always provide the lowest rate at the lowest cost on any given day.

Can cash be used for down payment?

We know the industry and know how much other companies are trying to make off every loan. We have our comp levels set at least a half point lower than the competition which allows our company to always provide the lowest rate at the lowest cost on any given day.