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Non-Occupant Co-Borrower Mortgage Programs

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

Niche Occupancy Loans - Guidelines and Highlights:

Asset Qualifier Jumbo Loan

Federal Tax Transcripts Not Required Qualifying Criteria for this loan program are Asset Based. This program can also be used to supplement additional alt doc programs such as Bank Statements and/or 1099’s. Form 4506-T Not Required, and Form 4506-C Not

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Bank Statement Mortgage – Wage Earner

Bank Statement Mortgage – Wage Earner Jumbo and Super Jumbo Alt Doc Mortgage Purpose: Purchase, Rate/Term and Cash Out Lite Doc – W2 Wage Earner Wage Earner Income Documentation – Lite Doc * One (1) Year Employment Verification * Previous

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Alternative Income Documentation

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Hard Money Lenders and Loans

Hard Money Niche Loans

Unconventional Mortgage Lending

Investment Property Loans

Cash Out Refinance

Second Mortgages

Construction Loans

Alt Doc Construction Loans

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