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- FHA Loans – For first-time homebuyers with lower credit scores.
- VA Loans – For veterans and active-duty military, often with no down payment.
- USDA Loans – For rural homebuyers with low to moderate income.
- Home Equity Loans / HELOCs – Borrow against your home’s value.
- Jumbo Loans
- Alternative Income programs: Bank statement Programs, 1099s, Profit and Loss
- Reverse Mortgages
- Investment Loans with No Income Verification ( DSCR Loans)
- Fix and Flips
- Manufactured Home loans Including Construction to Perm with owning the land
- Condo Hotels
- Unique Properties
- Construction To Perm FHA, VA, Conventional ( One time Close )
- Cash Out Refinance
- VA IRRRL
- FHA Streamlines
- Down Payment Assistance
- DSCR for ITIN Borrowers, Purchase or Refinance
ITIN 12 & 24 months Green Box Bank statements
- We utilized 100% of the business deposit as income (personal, business and co-mingled)
- Seller concession increased to 4% for LTV 80.01-85%
- Cash out available on 2nd homes and NOO
- Up to 85% max LTV
- No Visa requirements
- Up to 50% back-end DTI
- 7/1 Arm available
- 100% gift funds are allowed
- Gift of equity is acceptable
ITIN DSCR GB
- 65% Max LTV
- 60% if ratios are .80- 0.99
- Up to 1 million loan amounts
- Gift funds are allowed
- Gift of equity allowed
- Cash out allowed
- Unleased Property
- Short-term rental income
- Seller concession up to 3%
- Cash-out proceeds may be used for reserve requirements
Written Verification of Employment GB
- No tax returns
- No pay stubs
- No w2
- 25% Down or More
- First Time homebuyer is ok