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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

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Citadel Niche Sheet1

  • 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