Bank Statement Non-Prime Loan Program
With varying documentation requirements and LTV ratios, borrowers can access up to $5,000,000 in maximum loan amounts across different property types, including investment properties and owner-occupied residences. With credit scores as low as 580, our programs offer accessibility and flexibility.
(Form 4506-T Not Required) and Full Doc (Form 4506-C is Required)
Non-Prime- 580 Credit Score
Our Non-Prime Mortgage Lender Programs feature Alt Doc and Full Doc options, catering to credit scores starting at 580.
Our Non-Prime Mortgage Lenders
Offer programs tailored to meet the unique needs of borrowers across the credit spectrum is available. As a s/e borrower, don’t expect to be asked to sign a 4506-c form because they’re not required; for and Non-QM loan we offer.
Non-Prime Lite Doc Programs
For streamlined documentation, explore our Non-Prime Lite Doc Programs, requiring minimal documentation history. Benefit from options such as 2-month bank statements or one-year tax returns, with credit score requirements starting at 620.
Amount | No Tax Returns Not Required | Form No 4506-T Not Required
Non-Prime Mortgage Lender Programs and Highlights
* WVOE (written verification of employment):
* One Day After Foreclosure Finalization Date
* 580 Middle Credit Score
* Credit Score Model 2, 4 or 5
* 90% LTV up to Maximum Loan Amount – $4,000,000
* 2 Months Bank Statements:
* 640 Middle Credit Score (model 2, 4 or 5)
– 90% LTV
– $3,000,000
* Max: $5,000,000
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One Year Tax Return:
620 Middle Credit Score (model 2, 4 or 5)
– 90% LTV
– $3,000,000
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640 Middle Credit Score (model 2, 4 or 5)
– 85% LTV
– $4,000,000
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2 Year Documentation History | Form 4506-T – Not Required
24 Months Bank Statements:
600 Middle Credit Score (model 2, 4 or 5)
– 90% LTV
– $3,500,000 Maximum Loan Amount
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Non-Prime No Doc Programs
Investment Property Programs
DSCR (debt service coverage ratio): 620 Middle Credit Score (model 2, 4 or 5) – 85%% LTV (rate and term) and 80% LTV (cash out refinance) up to $5,000,000 Maximum Loan Amount
Foreign National Investors:
Any Credit Score/Credit Score Not Required
– 80% LTV to $3,500,000
Tax Returns Not Required
Non-Prime No Doc (No Ratio) Programs
Purchase or Refinance with Cash Out: 740 Middle Credit Score (model 2, 4 or 5) – 70% LTV to $2,500,000
Maximum Loan Amount | Owner Occupied/ Primary Residence
Foreign National: 600 Middle Credit Score (model 2, 4 or 5)
– 90% LTV
– $3,500,000