Non-Prime Jumbo Loan

If you have a recent bankruptcy, foreclosure or short sale, this could be an option for you. Here are the guidelines for this lender program.

Maximum loan amount $1,000,000


  • Purchase to 75% LTV
  • Refinance to 75% LTV
  • Cash Out Refinance to 65% LTV

Property Type:

  • Single Family Residence
  • Condo - less than 4 stories


  • Owner Occupied



5/1 year and 7/1 year

Income Documentation:

  • Full Doc only


Credit Scores (mortgage credit scores)

  • 580 minimum

Credit Criteria

Tradeline requirements:

  • 2 tradelines 24 months seasoned
  • 1 tradeline seasoned 12 with a minimum of $3,000 high credit limit credit

Underwriting Notes:

All installment loans must be current

Credit card and revolving accounts must be current

Bankruptcy, foreclosure and short sales need 6 months seasoning. Exceptions can be made with compensating factors)


California, Arizona, and Nevada