A Practical Loan for More Borrowers

We offer a loan program that serves borrowers using smart underwriting. It addresses the regulatory rules limiting access to lending by eliminating the unnecessary documents that are not part of the credit underwriting decision. This program is ideal if you’re self-employed, a small- or cashbusiness owner, retired, or otherwise have a unique situation.

Ideal For

• Self-employed/Small Business Owner
• Volatile or Irregular Income
• Retired
• Seasonal & Gig Workers
• Real Estate Investors
• Owners & Employees of Cash Businesses
• Newly Self-Employed
• Transitioning from Recent health, Family, or Other Life Events
• Looking to Tap Trapped Home Equity
• Recent Immigration
• Disqualified Income
• Recent Bankruptcy

Highlights

• Primary residence and second homes
• Credit underwritten based on LTV, FICO, and liquidity
• Income documentation not required
• Income not stated
• Debt-to-income (DTI) not calculated
• Asset seasoning 30 days
• Only first page of a bank statement required for typical portfolio loans
• Loan Amounts Up to $3 Million
• Up to 80% LTV
• FICO Beginning at 640
• Reserves from 3 Months
• No seasoning for bankruptcy