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Staff Meeting

NON QM LOANS

Wooden Furnitures

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Super Prime

90% CLTVFICO 599

FICO 599
90% CLTV
Loan Amount up to $2 Million

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Prime

80% HCLTV -No Score or FICO 599

No Score or FICO 599
80% HCLTV
Loan Amount up to $1.5 Million

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Full Doc Non-QM

90% CLTV - No Score or FICO 599

No Score or FICO 599
90% CLTV
Loan amounts up to $2 million

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DSCR

FICO 620-Up to 80%- DSCR as low as 0

FICO 620
Up to 80% CLTV
Loan amounts up to $2 million

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12/24 Months Bank Statements

Up to 90% CLTV-No Score or FICO 599

No Score or FICO 599
Up to 90% CLTV
Loan amounts up to $2 million

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1Y + 2Y P&L ONLY

Up to 85% CLTV on 2Y

Up to 80% CLTV on 1Y

No Score or FICO 599

No Score or FICO 599
Up to 85% CLTV on 2Y and up to 80% CLTV on 1Y
Max DTI 55%

Wooden Furnitures

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1099

Up to 85% CLTV for 1099

No Score or FICO 599

No Score or FICO 599
Up to 85% CLTV for 1099
Loan amounts up to $2 million

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WVOE

Up to 80% CLTV for WVOE

No Score or FICO 599

No Score or FICO 599
Up to 80% LTV for WVOE
Up to 85% LTV for 1099

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Bridge Loan Program

70% CLTV FICO 660

FICO 580
70% CLTV
Interest Only

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Asset Utilization

Up to 80% CLTV

FICO 660

FICO 660
Up to 80% CLTV
Cash Out up to 75% LTV

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Foreign Nationals

Up to 75% CLTV

No score or FICO 680

No score or FICO 660
Up to 75% CLTV
Loan amounts up to $2 million

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Non-Permanent Resident

Non Permanent Resident

FICO 660

FICO 599
Up to 90% CLTV

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