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12
May

Close More Deals with our Non-QM Products

  • Super Jumbo Advantage Expanded
    • Up to 80% LTV
    • Rates in the 3’s up to $2.5 million
    • DTI’s up to 50%
    • Credit event seasoning of 4 years
    • 10 Year I/O available with 30-year term to 75% LTV
  • Max and Advantage Super Jumbo to $3 Million
    • Up to 85% LTV
    • Rates as low as 2.875%
    • DTI to 45%
  • Flex Jumbo to $4 Million -0x30x12-660 Credit Score
    • Full Doc and Bank Statements up to  90% LTV to 1.5 Million, NO MI
    • 12- and 24-Months Bank Statements to 90% LTV -Flat 50% expense factor or provide expense factor letter
    • 2 Month Business Bank Statement/P&L Loans to 90%
    • P & L only program to 80% LTV
    • 1099’s in lieu of bank statements with 10% expense factor
    • 50% DTI
  • Prime Jumbo to $3 Million -1x30x12, down to a 620 Credit Score
    • Condotels – NOO Only
    • ITIN to 90%
    • Full Doc and Bank Statements up to  90% LTV to 1.5 Million, NO MI
    • 12- and 24-Months Bank Statements to 90% LTV -Flat 50% expense factor or provide expense factor letter
    • 2 Month Business Bank Statement/P&L Loans to 90%
    • 1099’s in lieu of bank statements with 10% expense factor
    • 50% DTI
    • Expanded to $3 Million. Credit Score down to 580:  
    • 85% LTV to $1 Million-36 months BK/NOD seasoning
    • 24 months BK/NOD seasoning to 85%
    • 12 months BK/NOD seasoning 70% to $1 million
    • DTI 50%
  • DSCR  to $3 million- Credit Score down to 600
    • 80% LTV to $1 Million Tiered DSCR Ratios with no minimum
    • Tiered DSCR Ratios with no minimum
    • Mixed use 2-8 Units to 70% up to $2 Million
  • Asset Utilization to 90% LTV
    • Qualified assets divided by 60
    • Qualitied Assets Divided by 36 when combined with other income
    • Max DTI 43%
  • Foreign National to 75% LTV
  • ITIN loans to 90% LTV on Prime Product Only
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Jonathan Caguioa

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

ALLIANZ MORTGAGE NMLS# 346138 / DRE# 01403147

15820 Whittier Blvd, Suite G
Whittier, CA 90603

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Let's find you the right home at the right price.