No Doc Loans

  • Owner occupied – up to 80% loan-to-value to $4M
  • Non-owner occupied – Up to 75% Loan-to-value to $5M
  • Single family residences 1-4, condos, and PUDs
  • Seller minimum ownership seasoning: 6 months
  • Minimum FICO score of 660
  • No history of bankruptcy, foreclosure, short sale, charge-offs, or property tax events
  • No mortgage late payments in the past 24 months
  • Non-mortgage late payments: 1×30 in the past 12 months and 2×30 in the past 24 months
  • With qualifying reserves, the debt-to-income ratio will not be calculated and employment is not required
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