Loan Programs

Foreign Nationals

  • 75% LTV for purchase of 2nd home or investment property
  • 80% LTV for purchase with qualifying work visa
  • 70% LTV for Cash-Out Refinance
  • Fix and Flip Construction Loans
  • 1-4 unit DSCR Investment Mortgage (no proof of income required)

Bank Statement Mortgage (for US residents)
  • Maximum 90% LTV
  • 12 or 24 month Business, Co-Mingled or Personal Statements
  • Average Deposits over 12 or 24 months
  • Minimum Ownership: 20% for Personal Statements and 25% for Business
  • Purchase, Rate and Term and Cash-Out

Profit and Loss Mortgage
  • Maximum 90% LTV
  • 2 months Business Uses CPA or Tax Preparer P&L covering 12 or 24 Consecutive Months
  • Net Income Divided into 12 or 24 months = Qualifying Income

12 Months Tax Return No Ratio
  • Just proof that tax return has been filed, no income shown
  • Maximum 80% LTV

Asset Utilization
  • 100% of Checking, Savings and Money Market Accounts
  • 80% of Value of Stocks and Bonds
  • 70% of Retirement Assets
  • Two Different Options to Calculate Monthly Income