Alternative Income Documentation for Self-Employed and W2 Commission Business Professionals

6 Months Business and/or Personal Bank Statements 

This 6 Month Super Jumbo Bank Statement Non-Qualified Mortgage (Non-QM) Loan program is for all residential property types and occupancy types including investment properties. This lender requires a minimum credit score of 660 and goes to a maximum loan-to-value ratio (LTV) of 80% See details below:

 

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660 Minimum Middle Credit Score

Eligible Transactions:

  • Purchase
  • Refinance - Rate/Term
  • Refinance - Cash Out

Eligible Occupancies:

  • Owner-Occupied / Primary Residence
  • Second Homes
  • Investment Properties - 6 Maximum

Eligible Property Types:

  • Single Family Residence (SFR)
  • Condominiums (including non-warrantable condos)
  • Planned Urban Development (PUD's)
  • 2 - 4 Unit

Loan-to-Value / Maximum Loan Amounts:

SFR, Condos, and PUD's: Owner-Occupied / Primary Residence

  • Purchase and Rate / Term Refinance
    • 80% LTV - $1,000,000
    • 75% LTV - $3,000,00
  • Cash Out Refinance
    • 70% LTV - $1,000,000
    • 65% LTV - $3,000,000

Second Home - Purchase and Rate/Term Refinance

    • 65% LTV - 3,000,000

Second Home - Cash Out Refinance:

    • 65% LTV - $3,000,000

2-4 Unit's

Purchase/Rate and Term

  • Owner-Occupied / Second Home
    • 70% LTV - $3,000,000
  • Owner Occupied / Second Home - Cash Out Refinance
    • 65% LTV - $3,000,000

SFR, 1-4 Units, Condos & PUD's

Purchase and Rate/Term Refinance

  • Investment Property
    • 70% LTV - $3,000,000

Cash Out Refinance

  • Investment Property
    • 65% LTV - $3,000,000

Purchase/Rate and Term

  • Owner-Occupied / Second Home
    • 70% LTV - $3,000,000
  • Owner Occupied / Second Home
    • 65% LTV - $3,000,000

 

Ref# 548 10-13-1-3 554 22-5-14