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QM Products

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CONVENTIONAL

  • Maximum loan amount: $726,200 (or county maximum for high balance areas)

  • Minimum credit score: 620

  • DTI: 50% with AUS approval

  • Minimum down payment: 3%

See Full Guidelines
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USDA

  • Max Loan Amount: By DTI

  • DTI: 29/41% Max, 29/45% with compensating factors/reserves

  • Down Payment: None

  • Credit Score: 640 Purchase & Refinance

See Full Guidelines
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FHA

  • Max Loan Amount: $420,680 to Max County Limits

  • MAX DTI: 55% w/ AUS approval

  • Down Payment: 3.5%

  • Credit Score: 620 with approval & 640 FHA streamline

See Full Guidelines
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VA

  • Max Loan Amount: $1.5M

  • DTI: 55% with AUS approval

  • 100% financing

  • Credit Score: 620

See Full Guidelines

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 660

  • DTI: Up to 50%

  • Unlimited number of financed properties

  • 2 years out of bankruptcy

  • 2 years out of short sale or foreclosure

See Full Guidelines
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Expanded Prime 
& Non-Prime Loans

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

  • LTVs up to 90%

  • FICOs: Down to 660

  • DTI: Up to 50%

  • Unlimited number of financed properties

  • Cash Out Options

  • 2 year out of bankruptcy

  • 2 day out of short sale or foreclosure

  • Can close as Corporation or LLC for investment properties

See Full Guidelines
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24 Month Bank
Statement Loans

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

  • LTVs: up to 90%

  • FICOs: down to 660

  • DTI: up to 50%

  • Unlimited number of financed properties

  • Cash Out Options

  • 2 years out of Bankruptcy

  • 2 years out of short sale or foreclosure

  • Investment properties can close as Corporation or LLC

 

 

See Full Guidelines
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