Interest only loan option available for all occupancy types

Owner Occupied 1-4 Units

• 80% LTV to $2,000,000 - purchase 80/10/10
• 80% LTV to $2,000,000 - purchase or rate/term
• 75% LTV to $3,000,000 - purchase or rate/term
• 70% LTV to $5,000,000 - purchase or rate/term
• 65% LTV to $7,500,000 - purchase or rate/term


Non-Owner Occupied 1-4 Units

• 75% LTV to $2,500,000 - purchase or rate/term
• 70% LTV to $5,000,000 - purchase or rate/term


Cross-Collateral Loans 

• Use two properties to leverage the loan amount
No FEE Re-Cast option once home sells - use equity to pay down new loan and "re-cast" 
  keeping the same terms and interest, but with the lower payment based on principal 
  pay down.


Bank Statement Program 

• Analyze cash flow to qualify self-employed borrowers

Delayed Purchase: O/O, N/O/O, 2nd Home 

• Loan considered a delayed purchase if borrower paid cash or obtained interim financing for the      property
• The borrower does not need to wait six months to secure a loan



Second Home 1 Unit

• 80% LTV to $2,000,000 - purchase or rate/term
• 75% LTV to $3,000,000 - purchase or rate/term
• 70% LTV to $5,000,000 - purchase or rate/term
• 65% LTV to $7,500,000 - purchase or rate/term


Departing Residence: Rental Income 

• Use rental income from departing residence, validated by rental survey

New Medical Doctor Loan Program: Primary Residence 

• Use expanded guidelines to qualify newly licensed medical professionals


Portfolio Highlights 

True blended ratios (non-occupant co-borrower)
• Average all borrowers’ middle FICOs to calculate the average qualifying FICO
• No maximum number of financed properties




Home Status Report

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