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10
Dec

Loan Programs For Unique Borrowers

Let Allianze Mortgage Services be your one-stop solution for all things Non-QM. From bank statements to P&Ls to Investor No Doc loans, we offer a variety of solutions to meet the needs of every borrower.

Our Flex Loan programs are designed for unique borrowers of all backgrounds. See below highlights

Flex Select Prime PLUS

  • 90% LTV Bank Statement, Alt Doc to $2.5M
  • 95% LTV, Full Doc to $1.5M
  • Min FICO 680
  • Max Loan $4M
  • Gift Funds Allowed
  • 30-Days Asset Verification
  • 40-Year Fixed Terms
  • Interest-Only to 90% LTV
  • Purchase, Rate and Term, Cash Out
  • Cash Out: Unlimited Cash in Hand
  • FTHB – Not Allowed
  • Borrowers: US Citizens, Permanent Residents, Non-Permanent Residents

Flex Select Prime > Prime > Expanded Credit

  • 12 to 24-Months Bank Statements
  • 2-Months Bank Statements With a CPA or Tax Preparer P&L
  • P&L ONLY
  • 1099s
  • WVOE and W2s
  • Max 90% LTV
  • Min FICO 580
  • Max Loan $4M
  • 12+ Months Derogatory Credit Seasoning
  • Up to 0x90x12
  • Purchase, Rate and Term, Cash Out, Debt Consolidation
  • Up to $1M Cash in Hand
  • SFR, Mixed-Use, 2-4 Units, Condos,
  • Gift Funds Allowed
  • Borrowers: US Citizens, Permanent Residents, Non-Permanent Residents, ITINs

Terms

  • 5/6 and 7/6 ARMS
  • 15-Year Fixed
  • 30-Year Fixed
  • 40-Year Fixed
  • 5/6 and 7/6 Interest Only
  • 30 and 40-Year Interest Only
  • Interest-Only Period, 10 Years
  • 40-Year Fixed

DSCR Flex Investor 1-4 Units Residential

First-Time Investors and Experienced Investors

  • Max 85% LTV
  • Max $5M Loan
  • Min $100K Loan
  • Min FICO 600
  • Min DSCR .75
  • Purchase, Rate and Term, Cash Out
  • Max Cash Out 75% LTV
  • First-Time Investors Allowed (Must Own a Primary Residence)
  • Interest-Only Options Available
  • Stabilize DSCR with Interest-Only Feature
  • 40-Year Term Available With Interest Only
  • Housing History: Up to 1x30x12
  • Housing Event Seasoning: 24+ Months
  • Gift Funds Allowed (Min 10% Borrower Contribution
  • Close in LLC or Corporation

 

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Jonathan Caguioa

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

ALLIANZE MORTGAGE NMLS# 346138 / DRE# 01403147

15820 Whittier Blvd, Suite G
Whittier, CA 90603

Contact Me Today

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