Bank Statement Loans
For Self-Employed Borrowers. No tax returns required.
640Min. Credit Score
90%LTV Up to
- Purchase, Refi Cash Out, Refi Rate & Term, & Delayed Financing
- Owner-occupied, second homes, and investment properties
- Borrowers can own as little as 25% of the business
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For Rental Property Investors
680Min. Credit Score
85%LTV Up to
- Purchase, Refi Cash Out, Refi Rate & Term, & Delayed Financing
- 1007 Waiver – Automated rental AVM report available (75% Max LTV, 1 unit only)
- AirDNA Analysis – Automated short term rental report
View MorePlatinum
For “Just Missed” Jumbo Borrowers
680Min. Credit Score
90%LTV Up to
- Purchase, Refi Cash Out, Refi Rate & Term, & Delayed Financing
- Owner-occupied, second homes, and investment properties
- Four years seasoning for foreclosure, short sale, bankruptcy or deed-in-lieu
View MorePortfolio Select
For borrowers with a credit event
640Min. Credit Score
85%LTV Up to
- Purchase, Refi Cash Out, Refi Rate & Term, & Delayed Financing
- Owner-occupied, second homes, and investment properties
- Two years’ seasoning for bankruptcy, can use chapter 13 filing date
View MoreClosed-End Second Mortgage
A Second Mortgage for Self-Employed and Real Estate Investors
660Min. Credit Score
90%LTV Up to
- Cash-out or rate-term refinance
- Owner-occupied, second homes, and investment properties
- Full doc (2 years’ tax returns and YTD P&L, or 2 years W-2’s with YTD pay stubs for non-self-employed)
View MoreAsset Qualifier
For borrowers with assets. No employment required.
700Min. Credit Score
75%LTV Up to
- Purchase, Refi Cash Out, Refi Rate & Term, & Delayed Financing
- Primary residence and second home only
- No employment, no income, no DTI
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