Video of Kern County California Bird Sanctuary by Caroline Gerardo to enjoy while you read the mortgage information below
epi
·
12 or 24 month
Personal bank statements
·
12 or 24 month
Business bank statements
·
No tax returns
required
·
Owner-occupied, 2nd
homes, and investment properties
·
Loan Amounts from
$200,000 to $3,000,000
·
90% LTV available
·
DTI up to 50%
·
Credit Scores as low
as 620
·
No MI on LTV’s >80%
·
Interest Only up to 85%
·
SFRs, townhomes,
condos, 2-4 units
·
Non-warrantable condos
considered
·
No limit on number of
properties financed
·
3 years seasoning for
foreclosure, short sale or deed-in-lieu
·
3 years seasoning for
bankruptcy
Foreign
National
- Up to 75% LTV
- Loan Amounts from $200,000 to
$3,000,000
- Second Homes & Investment
- All property types including
non-warrantable condos
- Social Security or ITIN numbers
not required
- No US credit
- VISA or travel authorization
card
- Reserves can remain abroad
True Stated Income No Assets & Stated Income Verified Asset
Loans are Available For:
- Non Owner Occupied 1 - 4 Unit Properties;
- 5+ Units use ODF Plus
- Business Purpose Owner Occupied Loans
- Business Purpose Non-Owner Occupied, NO TRID
Requirement
- Foreign National Loans
- Fix & Keep Purchases
- Mixed-Use (Res) Loans
- Non-Warrantable Condos
- Condotels
Program includes:
- 5/1 Arm or 7/1 Arm - 30yr Amortized Payment
- 40yr Term / 10yr IO Fixed, then 30yr Fixed or ARM
Qualify Your Borrowers with the
ONE Month Bank Statement Program
Requirements:
- Borrower must be self-employed or 1099
- Most recent personal account bank statement
- Income is ATTESTED to and DECLARED
- 650 minimum middle credit score
- 25% Down or more
- Maximum loan amount of $5 mil
- Reserve funds are not required
- First time home buyers qualify. Contact your Account
Executive for details.
Restrictions:
- SFR / Condo / Townhouse Property types only
- No charge-offs, collections or tax liens
- Owner occupied only
- U.S. residents only
|
Bank
Statement Loans • Foreign Nationals • Second Chance Loans We also have a
variety of customized products: • FHA/VA • First Time Homebuyer • Jumbo and
Conforming Loans • Investment Properties (1-4 units) • Construction Loans •
Second/Vacation Homes