For the owner occupied borrowers with less than perfect credit, challenges with proof of income or just need to close quickly. Our lenders offer consumers the ease of finance with lower than expected rates compared to hard money products. This program varies between traditional income documentation to alternative forms of proof of income documentation. They even finances borrowers with fico scores as low as 300! Our maximum DTI is as high as 55% with LTV’s as high as 80%. We offer a creative solution for hard to finance owner occupied homes.

  • Full Doc: W2’s & Paystub, 1040’s or Asset Depletion
  • Alt Doc: 24 Months Personal Bank Statements
  • $50,000 –  $3,000,000 – with exception considered to $7,000,000
  • Lending to Individuals and Trusts
  • 7/1 Arm or 30 Year Fixed
  • DTI’s up to 55%
  • LTV’s up to 80%
  • Rates as low as 5.625%
  • 100% Gift Funds – OK
  • Gift of equity-OK
  • Foreign Nationals with US Credit – OK
  • Foreclosure Bailout – OK
  • Non Warrantable Condo – OK
  • Lease Option Buyout using current appraised value – OK
  • Rural Properties – OK
  • Green Card Holder – OK