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P&L ONLY OPTION
Loan Amounts Up to $3 Million!
- 12 to 24 Months P&L
- Minimum 700 FICO
- Maximum 75% LTV
- Maximum 50% DTI
- Cash-Out Available
- 7/6, 10/6 ARM and 15 or 30 year Fixed
- Interest Only available on ARM and 30 or 40 year fixed transactions
P&L requirement based on application date, 2 months bank statements required. Let's chat with your buyer and see if this is the right fit.
* Loan programs are market sensitive and subject to change of guidelines from date published..

INETEREST ONLY W/ 40 YR LOAN TERM
10 Year Interest Only Period. Qualify at Payment Amortized Over 30 Years!
- Loan Amounts up to $3 Million
- We get 75% of 1099 Gross Income to Qualify
- Eligible Up to 85% LTV
- 700 Minimum FICO
- For Primary Residency Only
- Fully amortized over 30 years after the 10 year Interest Only period
Let's take the guesswork out of the way and have me pre-qualify your client today!
* Loan programs are market sensitive and subject to change of guidelines from date published..

FOREIGN NATIONAL BORROWER LOAN
Loan Amounts Up To $2 Million
- Minimum 680 FICO
- Up to 65% LTV/CLTV
- Purchase, Rate & Term and Cash Out Eligible
- Social Security Number Not Required
- Borrower without U.S. Credit Eligible (credit score requirement is N/A for borrowers without U.S. credit)
- Flexible VISA Types; Visa Not Required for All Countries
* Additional guidelines/requirements may apply depending on the details of the transaction and borrower situation.

AIR-BNB RENTAL INCOME ALLOWED
This is a Non-QM Program
- Available on Full Doc, Bank Statement, Investor Cash Flow, 1099 Only, P&L Only programs
- Eligible on Refinance Transactions
- Income Averaged Over Most Recent 12 Months
- 25% Vacancy Factor Applies
Additional guidelines may apply so take the guesswork out of the way and let's chat with your buyer today!
40 Year Loan Term
Our 40 year loan term is amortized over 30 years with the first 10 years being interest only. Borrower must qualify at the 30 year amortized payment. Great program for 1099 borrowers. We do not ask for tax returns. Instead we get 75% of their 1099 income to qualify.
- Loan amounts up to $3 Million
- Available on 1-4 Unit Primary and Investment Properties and 1-Unit 2nd Home
- Eligible Up to 85% LTV/CLTV
- 700 Minimum FICO score
Check out our other unique loan programs for that unique self-employed borrower. CLICK HERE


Jonathan Caguioa
NMLS# 250609 / DRE# 01137630 Mobile: 949-241-2527

ALLIANZE MORTGAGE NMLS# 346138 / DRE# 01403147
15820 Whittier Blvd, Suite GWhittier, CA 90603