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Non-Occupant Co-Borrower Mortgage Programs

Non-occupant co-borrower income can play a crucial role in determining the primary borrower's qualifying debt ratio and back-end DTI eligibility. Non-occupant co-borrowers allowed on refinance programs including cash out on second homes, and purchases with true blended ratios.

Niche Occupancy Loans - Guidelines and Highlights:

Bank Statements/Asset Depletion to 5-Million

Self-Employed Borrowers: Purchase 90% LTV, and Cash Out – 85% LTV ~ Self-employed borrowers can now take advantage of alternative income documentation with options to purchase at 90% LTV and cash out at 85% LTV. By using your 1099(s) as

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02/26/2019 09/07/2025

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Alternative Income Documentation

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