© 2019 by Mortgage Assurance NMLS# 177208

Licensed in

AL, CO, CT, FL, GA, IL, IN, KY, LA, ME, MD, MN, NC, NH, PA, SC, TN, TX, VA

FHA ID: 3123800009

1200 Ashwood Pkwy, STE 200, Atlanta, Georgia, 30338

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QM Products

CONVENTIONAL

  • Maximum loan amount: $484,350 (or county maximum for high balance areas)

  • Minimum credit score: 620

  • DTI: 50% with AUS approval

  • Minimum down payment: 3%

FHA

  • Max Loan Amount: $484,350 to Max County Limits

  • MAX DTI: 55%

  • Down Payment: 3.5%

  • Credit Score: 580 with approval, 620 manual, 640 for streamline

USDA

  • Max Loan Amount: Determined by DTI

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

  • Down Payment: None

  • Credit Score: 620 

Non-QM Products

ECOP

  • LTVs: up to 90%

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

  • FICOs: down to 500

  • DTI: up to 50%

  • Unlimited number of  financed properties

  • Cash Out Options

  • 1 Year out of Bankruptcy

  • 1 Day out of Short sale/Foreclosure

  • Can close as Corporation or LLC

  • Non-Warrantable Condos Allowed

Income Express

  • 12 or 24-month personal bank
    statements

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

  • LTVs: up to 90%

  • FICOs: down to 580

  • DTI: up to 43%

  • Unlimited number of
    financed properties

  • Non-Warrantable Condos

  • Cash Out Options

  • Investment properties can
    close as Corporation or
    LLC

Foreign National

  • LTVs up to 75% For Purchase or R/T

  • LTVs up to 70% For Cash Out

  • Second Home Or Investment Property

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

  • No FICO Score Required

  • DTI up to 50% or No Ratio at DSCR ≥ 1.15

  • 2-4 Unit and Non-Warrantable Condos Allowed