1. Non-PrimeResidential
 24 monthBank Statementprogramsupto 85% LTV
 No4506Ts
 Only PrimaryWage Earners FICO used(middlescore)
 AssetDepletionallowedforincome –Total liquidassetsdividedby84 months= monthlyincome
 We accept any AMC and previouslycompletednonAMC appraisals
 500 FICOsaccepted for purchase or cash out refi
 Loan Amountsupto $3,000,000
 Condotelsinresortareas
 85% CLTV (sellerheldsecondallowed)
 Non-Warrantable Condos
 NoReservesRequired
OutsideDodd-Frank ResidentialPrograms
 StatedLoansfor:
 BusinessPurposes
 ForeignNationals
 InvestmentProperties(1– 4 family);Self EmployedorW2 Borrowers!
 Loan Amountsfrom$100,000 to $1,000,000
 Fix andFliploansforInvestors(SIVA)
 85% CLTV (sellerheldsecondallowed)
 NoReservesRequired
MaggiLoansup to $3,000,000
 Great forWage Earner – 2 Years W2s and YTD Paystub,S/E24 bank personal statements.
 No4506T
 2 Years OnlyseasoningforBankruptcy,Foreclosure,ShortSale &Deed-in-Lieu
 Up to 85% LTV withNoPMI with 700+ FICO($150,000 - $749,999)
 75% LTV to $3,000,000 with700+ FICOPurchase
 70% LTV to $3,000,000 with650+ FICOPurchase
 OwnerOccupiedOnly
 85% CLTV (sellerheldsecondallowed)
 6 or 12mo. ReservesRequired
Second Mortgages to $500,000
 Up to 80% CLTV
 Full Doc down to 550 score
 24 month bank statements with a 600 minimum score
 50% DTI
 Up to $1,000,000 combined loan balance
 No seasoning on short sales and 1 year forForeclosure’s and BK’s