Unconventional Mortgages (800) 718-8906

Unconventional Mortgages and Loans

(800) 718-8906

Unconventional Mortgages - A Wealth of Information Resource & Service: (800) 718-8906

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Non-Prime Non-Qualified Loan Programs

Non-Prime Mortgage Lender Programs and Highlights

Now you can use your 1099(s) for to qualify (sole proprietor) as additional income/”ability to repay”

Non-Prime – Alt Doc (Form 4506-C Not Required) and Full Doc (Form 4506-C is Required)

* 580 Middle Credit Score

* Credit Score Model 2, 4 or 5

* 90% LTV up to $1,000,000 Maximum Loan Amount

* One Day After Foreclosure Finalization Date

Non-Prime Lite Doc Programs

* 1 Year Documentation History or Less | Form 4506-T – Not Required

* Two Months Bank Statements: 620 Middle Credit Score (model 2, 4 or 5) – 90% LTV up to $3,000,000 Maximum Loan Amount

* One Year Tax Return: 620 Middle Credit Score (model 2, 4 or 5) – 90% LTV up to $3,000,000 Maximum Loan Amount

* WVOE (written verification of employment): 640 Middle Credit Score (model 2, 4 or 5) – 85% LTV up to $4,000,000 Maximum Loan Amount

Non-Prime Alternative Doc Programs

* 2 Year Documentation History | Form 4506-T – Not Required

* 24 Months Bank Statements: 600 Middle Credit Score (model 2, 4 or 5) – 90% LTV to $3,500,000 Maximum Loan Amount

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

Maximum Loan Amount | Tax Returns Not Required

Non-Prime No Doc (No Ratio) Programs

No Income Documentation

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 to $3,500,000 Maximum Loan Amount | No Tax Returns Not Required | Form No 4506-T Not Require.

Loan Scenario Form – Credit Check Not Required

Available in the Following States:

Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Maine, Maryland, Massachusetts, Michigan, Nevada, New Hampshire, New Jersey, North Carolina, North Dakota, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia, and Washington.