Programs
Alt Doc
Min. FICO 680
Up To 75% CLTV
Up To 43% DTI
Max $4,000,000
Flexible alt-doc financing for qualified borrowers using WVOE, P&L, personal bank statements, or business bank statements.
3 Month Personal Bank Statement
6 Month Business Bank Statement
YTD P&L or WVOE
Conventional High Balance
FICO per AUS
Up To 97% CLTV
Qualify homebuyers seeking properties exceeding the standard limits
Loan amounts up to $1,249,125 per county
DTI as per AUS
All occupancy types
Conventional Standard
FICO per AUS
Up To 97% CLTV
Excellent program with flexibility such as rate buydowns and cancellable mortgage insurance
Loan amounts up to $832,750
DTI as per AUS
Minimum downpayment 3%
CRA Alt Doc
Min. FICO 680
Up To 80% CLTV
Up To 50% DTI
Max $1,500,000
CRA-focused alternative documentation financing for eligible LMI borrowers or properties located in low-to-moderate income census tracts, using WVOE or P&L documentation.
YTD P&L
WVOE
Deluxe Jumbo
Min. FICO 720
Up To 80% CLTV
Up To 43% DTI
Max $3,000,000
High-balance jumbo financing up to $3MM with primary, second home, and investment options for well-qualified borrowers.
Manual Underwriting
Fixed & ARM Options
EASY DOC
Min. FICO 680
Up To 75% CLTV
Up To 43% DTI
Max $5,000,000
High-balance alt-doc financing up to $5MM with WVOE and P&L options for eligible CA, NV, and TX borrowers, including foreign nationals.
2 Years Self-Prepared P&L
WVOE