Guidelines:

• Primary Residence and Second Homes and Investment 
• Credit Underwritten Based on LTV, FICO, and Liquidity
• Income Documentation Not Required
• Income Not Stated
• Debt-to-income (DTI) Not Calculated
• Loan Amounts Up to $3 Million
• 70% LTV for FICOs of 740 and above
• 65% LTV for FICO's of 660 - 739
• Reserves 12 months and up depending on fico and LTV
• Asset Seasoning: 30 Days
• Gift funds allowed for Primary Homes only

Ideal for:

• Self-Employed/Small Business Owner
• Volatile or Irregular Income
• Retired
• Seasonal & Gig Workers
• Real Estate Investors
• Owners & Employees of Cash Businesses
• Newly Self-Employed
• Transitioning from Recent Health, Family,
  or Other Life Events
• Looking to Tap Trapped Home Equity
• Recent Immigration
• Disqualified Income

*The Community Mortgage loan program is not available in DC, MD, NV, or WA. CA: Interest-only prohibited for FICO's below 660 and LTV cap is 65%. CO: All loan transactions require fully executed CO LO Reasonable Inquiry Attestation and HUD Counseling Certification from the Colorado Housing Assistance Corporation. IL: Allowed provided payment is based on fully indexed rate. TX: Interest-only prohibited. OH: Interest-only on Adjustable-Rate (ARM) loans. 

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