Speed & Service | Our Top Priority
Flexible & Common sense Underwriting
Discover a Diverse Range of Innovative
Non-QM Mortgage Options
Primary Residence | Second Home | Investment Property
Most Flexible
PLATINUM ADVANTAGE
Unparalleled Flexibility: This program adapts to diverse scenarios, empowering you with a comprehensive suite of options tailored to your unique needs.
CATEGORY
GUIDELINES
Occupancy
Owner Occupied, Second Home, Investment
Max LTV
90% Full & Alt Doc; 80% DSCR
(Up to 90% LTV w/680 FICO Alt Doc up to $3MM)
Product Type
Fixed Rate: 15, 30, 40 year; ARM: 5/6m, 7/6m, 10/6m
Documentation
Full Documentation, Bank Statements, Asset Depletion, 1099, P&L + 2 months bank statements (80 LTV max; 50% DTI max), DSCR
Debt to Income
50%; 55% up to 80% LTV and 680+ FICO for Primary and Second Home
Minimum FICO
620; Lowest mid-FICO amongst all borrowers used for qualification
Interest Only
Fixed Rate: 30, 40 year term only. Use cash out LTV thresholds for eligibility
Eligible Borrowers
US Citizens
Permanent Resident Aliens
Non-Permanent Resident Aliens
Foreign Nationals (70 LTV max; 50% DTI max; Primary homes not permitted)
Loan Amount
$150,000 - $3,500,000
DSCR
>= 0.75 (No DSCR on case-by-case)
READY TO MOVE FORWARD?
LEARN MORE
Explore Other Programs
NON-QM
Are you wondering what makes us different than all other wholesale mortgage lenders? We offer the most comprehensive suite of wholesale mortgage products in the nation. Click an option below to learn more.
Investor Advantage
This is a DSCR product for 1-4 unit residential properties offering the most flexibility.
Professional Investor
This is a 5-8 unit multi-family and an impressive cross collateralized blanket product.
Cash Flow Advantage
This is a DSCR product for 1-4 unit residential properties $350K+ with the lowest rates.
Non-Agency Advantage
This is the most comprehensive Non-QM product in the market for owner occupied only.
Titanium Advantage
This is the most competitively priced owner occupied Non-QM product in the market, up to $2.5MM.
Equity Advantage
This is a second lien product up to 90% CLTV, for owner and non-owner occupied properties, up to $500K.
Jumbo A+
This is an owner occupied Prime Jumbo product featuring mostly ARM options up to $3MM.
Expanded Jumbo A+
This is a Prime Jumbo product with expanded eligibility criteria up to $3.5MM w/ fixed rates.
QM Jumbo
This is a QM Jumbo with no MI, fixed rates, owner and non-owner occupied, up to $2.5MM.
Rehab (Fix&Flip/Rent)
This is a value-add product for existing distressed real estate being renovated.
New Construction
This is a value-add product for raw land with the intention of building a 1-4 unit residential property.
Small Balance Commercial
This is a stabilized commercial mortgage product offering fully amortized mortgages.
Learn About the Process
Below, you will see a high-level overview of our simple and streamlined process.
vet your loan
Work with your AE to vet your loan and ensure it fits within our credit box. Confirm pricing and compensation—and get ready to submit.
Submit your loan
Now that your file has been vetted, it is ready to be submitted. Your AE will provide the UW needs list and walk you through submission.
Cleared-to-Close (CTC)
After UW your file will be approved with conditions. You will work with your Account Manager to get all conditions cleared.
loan funded
Once your loan is cleared to close, our closing team will work with the settlement office to get the closing package signed. Loan Closed!
