Non Prime2019-01-23T11:06:14+00:00

Non Prime/Alt-A

Close loans that can’t close conventionally. Separate yourself from the competition. Increase your income in 2018 with refinance business down, but Non Prime UP!

Uses Alternative Documentation

  • 12 Month Bank Statements

  • Assets for Income

  • 1 year Tax Returns

  • Expanded Criteria

  • Up to 90 LTV(Purchase & R/T) no MI

  • Cash out for reserves OK

  • Up to 85% LTV (Cash out) no MI

  • 2 years seasoning FC,SS,BK, or DIL

  • Recently discharged BK 13 to 90% LTV(if paid as agreed 24 mo)

  • Loans up to $3 million (Minimum Loan $150,000)

  • Credit scores starting at 600

  • 1x30x12 housing history

  • Option to qualify with assets instead of income

  • Asset Depletion program available

  • 1 year tax return program Available

Non Prime/Recent Housing Event

  • Credit Scores as low as 500 (including jumbo loans)

  • Up to 90% LTV (purchase,R/T,debt consolidation)- no MI

  • Up to 85% LTV cash-out

  • 1 day out of FC,SS,BK, or DIL

  • Loans up to $1 million( minimum loan $150,000)

  • Cash out for reserves OK

  • DTI 40/45 (Up to 50% considered)

  • Limited or no tradelines OK to max 75% LTV

  • Max cash-out to $500,000