Non-traditional lending solutions

Specialized Loan Programs for Self-Employed, Executives, Professionals, Luxury Homes, Jumbo & Super Jumbo, and Non-QM Reduced-Doc and Alternative Income Loan Needs.

Jumbo – Super Jumbo - Non-QMProducts

Owner Occupied and Second Home

  • Loans from $400,000 to $15,000,000
  • <$400,000 on exception basis
  • FICO scores down to 600
  • Up to 95% LTV on Purchase/Rate-Term/Cash Out (No MI)
  • Up to 55% DTI
  • 24-Month Business and Personal Bank Statement program
  • 12-Month Personal Bank Statement program
  • One-year tax return program
  • Asset Depletion program
  • Interest Only available on 5/1, 7/1, 30yr Fixed, and 40yr
  • Fixed
  • No seasoning requirements for SS/FC/BK/DIL
  • Unlimited cash out available

Non-Owner Occupied/Investor

  • Loans from $400,000 to $15,000,000
  • <$400,000 on expectation basis
  • FICO scores down to 600
  • Up to 85% LTV on Purchase and Rate/Term
  • Up to 80% LTV on Cash-Out
  • Up to 50% DTI
  • 24-Month Business and Personal Bank Statement program
  • 12-Month Personal Bank Statement program
  • One-year tax return program
  • Asset Depletion program
  • Interest Only available on 5/1, 7/1, and 30yr fixed
  • Unlimited cash out available

No Doc/No Ratio for Non-Owner Occupied

  • Loans from $400,000 to $2,000,000
  • <$400,000 on exception basis
  • FICO scores down to 640
  • Up to 75% LTV on Purchase and Rate/Term
  • Up to 70% LTV on Cash Out
  • No income, asset, or employment information required
  • 3/1 and 7/1 terms available

Ready to learn more?

Let's talk about your options.

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