Unconventional Mortgages and Loans

1st, 2nd, and 3rd Stand-Alone Mortgage | Forms 4506-T and 4506-C Not Required

LTV - 65% to 75%. 80% depends on property location and property condition.

Purpose - Purchase, Refinance, Probate, Construction to perm Renovation, Investor projects.

Multiple Properties Owned OK, use as Cross Collateral

Occupancies:

Owner-Occupied (Business Purpose)

Non-Owner Occupied

Property Types:

Residential (SFR, 2-unit, 4-unit), and Commercial properties

Available Terms:

12-24 months. Prepayment penalty pricing options available

Credit Score - No FICO Minimums

Notes:

No appraisal required to $1,500,000. >$1,500,000, 2 appraisals required.

This program is available in the following California counties: Sacramento CA, San Francisco CA, Los Angeles CA, San Diego CA, Orange CA, San Jose CA, Marin CA