QM Products

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CONVENTIONAL

  • Maximum loan amount: $647,200 (or county maximum for high balance areas)

  • Minimum credit score: 620

  • DTI: 50% with AUS approval

  • Minimum down payment: 3%

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FHA

  • Max Loan Amount: $647,200 to Max County Limits

  • MAX DTI: 55%

  • Down Payment: 3.5%

  • Credit Score: 640 with approval & 640 FHA streamline

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USDA

  • Max Loan Amount: By DTI

  • DTI: 41% or higher if approved by GUS, maximum 50%

  • Down Payment: None

  • Credit Score: 640 Purchase & 640 Refinance

Non-QM Products 

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Non-Warrantable Condos

  • LTVs up to 80% for owner occupied

  • LTVs up to 75% for investment properties

  • Loan amounts: Between $100k -$1.5mm

  • Bank statements 12 & 24 months allowed

  • FICOs: Down to 620

  • DTI: Up to 50%

  • Unlimited number of financed properties

  • One year out of bankruptcy

  • One day out of short sale or foreclosure

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Expanded Prime 
& Non-Prime Loans

  • Loan Amounts: Between $100k -$1.5mm

  • LTVs up to 85%

  • FICOs: Down to 620

  • DTI: Up to 50%

  • Unlimited number of financed properties

  • Cash Out Options

  • 1 year out of bankruptcy

  • 1 day out of short sale or foreclosure

  • Can close as Corporation or LLC for investment properties

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24 Month Bank
Statement Loans

  • Loan Amount: Between $100k - $1.5mm

  • LTVs: up to 90%

  • FICOs: down to 620

  • DTI: up to 50%

  • Unlimited number of financed properties

  • Cash Out Options

  • 1 year out of Bankruptcy

  • 1 day out of short sale or foreclosure

  • Investment properties can close as Corporation or LLC