top of page
Orange Photographic Consultancy Portfolio & Resume Website.png

FOREIGN &
NATIONALS
 PROGRAMS

Services

Provide a general description of the items below and introduce the services you offer. Click on the text box to edit the content.

Service Name

Describe your service here. What makes it great? Use short catchy text to tell people what you offer, and the benefits they will receive. A great description gets readers in the mood, and makes them more likely to go ahead and book.

Service Name

Describe your service here. What makes it great? Use short catchy text to tell people what you offer, and the benefits they will receive. A great description gets readers in the mood, and makes them more likely to go ahead and book.

Service Name

Describe your service here. What makes it great? Use short catchy text to tell people what you offer, and the benefits they will receive. A great description gets readers in the mood, and makes them more likely to go ahead and book.

  • 12/24 Months Bank Statements

  • 100% FHA FINANCING

  • RENT PAYS MORTGAGE

  • BANK STATEMENTS

THE NADA PROGRAM
When “nothing” is all you need
100% FHA FINANCING

ONE SUBMISSION, ONE APPROVAL, ONE CLOSING!
for when your buyer has Nothing Down ... NADA

 FICOs down to 680

• First Time Homebuyers - OK! 

• Non-occupant Co-Borrowers - OK! 

• One FICO Score Allowed 

• Gift Funds Allowed 

• No Other Underwriting Overlays ... NONE! 

 DACA Borrowers Eligible

• SFR, PUDs, Condos, 1-2 Units Manufactured 

• Loan Amount Per County Limits 

• DTI per AUS 

• Borrower-Paid or Lender-Paid Comp 

• Homeowner Education Required (at least one borrower)

2nd MORTGAGE INTEREST RATE = 2.00% HIGHER THAN THE RATE ON THE , 1st MORTGAGE WITH A 1O-YEAR FIXED AMORTIZATION 2nd PAYMENT MUST BE INCLUDED IN DTI

​NON OWNER NO INCOME

THE BEST NON OWNER LOAN IN THE INSUSTRY

80% LTV on Purchase (700 FICO)
75% LTV R/T REFI (700 FICO)
75% LTV C/O REFI (700 FICO)
FICOS As Low As 620

NO LTV RESTRICCIONS on 2-4 units
NO Reserves in purchases on R/T REFIS To 70%
Use cash out for reserves

Are you looking to purchase A unit within a condotel?

•  Max LTV up to 75%!

•  Loan Amounts up to $1.5 Million

•  Square footage starting as little as 500 sq ft

•  Investor Concentration up to 100%

•  As little as 0 months reserves

•  1st time investors allowed

RENT PAYS MORTGAGE

  • FICO 620

  •  Up to 80% CLTV

  •  Loan amounts up to $3 million

With a DSCR mortgage, borrowers can secure financing for their properties based on the property’s actual income and expenses. This means that borrowers with lower credit scores or irregular income streams can still qualify for financing if their properties generate enough cash flow to cover the loan payments.

12/24 Months Bank Statements

  •  No Score or FICO 599

  •  Up to 90% CLTV

  •  Loan amounts up to $4 million

Our 12/24 Month Bank Statement loans are perfect options for self-employed and high net worth individuals who are unable to document their income with tax returns. 

 

To qualify for this loan, we allow the use of 12 and 24 months of Business and Personal bank statements.

Foreign Nationals

  •  No score or FICO 660

  •  Up to 75% CLTV

  •  Loan amounts up to $2 million

Working with people abroad who want to buy or refinance their property located in the United States. 

 

Our Foreign National program has a flexible, alternative documentation process with realistic guidelines which helps more borrowers to qualify.

Lending Solutions for Business Success

bottom of page