ITIN AC
Min. FICO 640
Up To 75% CLTV
Up To 55% DTI
Max $1,000,000
Non-QM ITIN financing up to $1MM with flexible income documentation for primary residence and second home borrowers
Full Doc / Bank Statement / 1099 / P&L
Primary & Second Home Eligible
Equity Solutions Closed-End Second N/O/O
Min. FICO 660
Up To 80% CLTV
Up To 50% DTI
Max $750,000
Closed-end second lien financing for investment properties, with flexible income documentation options and CLTVs up to 80% for qualified borrowers.
2nd Lien Only
Investment Properties
Full Doc, Bank Statement, 1099, WVOE & P&L, DSCR
Piggyback Purchase & Stand-Alone Cash-Out
Equity Solutions Closed-End Second O/O
Min. FICO 660
Up To 90% CLTV
Up To 50% DTI
Max $750,000
Closed-end second lien financing for primary residence and second home borrowers, with flexible full doc and alternative income documentation options.
2nd Lien Only
Primary & Second Home
Full Doc, Bank Statement, 1099, WVOE & P&L
Piggyback Purchase & Stand-Alone Cash-Out
HELOC Plus
Min. FICO 680
Up To 85% CLTV
Up To 50% DTI
Max $500,000
Flexible HELOC financing up to $500K for primary, second home, and investment properties, available as a stand-alone first or second lien.
Stand-Alone 1st or 2nd Lien
20 or 30 Year Maturity
3, 5, or 10 Year Draw Period
No Reserves Required
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
Optimal Jumbo
Min. FICO 680
Up To 89.99% CLTV
Up To 43% DTI
Max $10,000,000
Prime full-doc jumbo financing up to $10MM with fixed and SOFR ARM options for primary, second home, and investment properties.
Up to $5MM Loan Amount
Full Doc Only
Manual Underwriting