Soft Money Mortgage Program

Exceptions made to 75% LTV for particular counties in the state of California. This means that the pricing is less than the traditional Hard Money type loan program. Discounted pricing with qualifying Credit Score / FICO Alt Doc for of Income Documentation referred to as a No Doc for Non-Owner Occupied and Owner-Occupied for Purchase, R&T Refinance and Cash Out Refinance and Interest Only 65% LTV

No Doc Jumbo and Super Jumbo

  • Residential or Commercial
  • LTV: 70% - Maximum

Loan Amounts:

  • Minimum - $250,000
  • Maximum - $40,000,000

Property Types:

  • Single Family Residence - Attached (SFR)
  • Single Family Residence - Detached (SFR)
  • 1-2 Units
  • 1-4 Units
  • 5+ Units


  • Owner-Occupied/Primary
  • Non-Owner Occupied

Terms Available

  • 1 year ARM
  • 3 Year ARM
  • 5 year ARM
  • Interest Only payment terms available

Underwriting Notes

  • Must have a valid social security number
  • Foreign Nationals allowed:

Appraisal Requirements

  • Appraisal paid for up front by borrower upon loan approval
  • Appraisal ordered by the lender
  • Available in the following States:


Available in the Following States:

Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Mississippi, Missouri, Nevada, New Hampshire, New Jersey, New Mexico,     North Carolina, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Vermont, Virginia, Washington, and Wisconsin