- Purchase Money & Rate/Term Refinance up to 90% Loan-to-Value (LTV)
- One late payment in the past 30 days and up to 12 in the past year allowed
- Cash-out up to 80% LTV
- FICO scores starting at 660
- First-Time Homebuyer (FTHB) allowed
- 80% LTV for condos & 2-4 unit properties
- Declining markets are allowed
- Loan amounts up to $3 million
- Qualify with 12 Months bank statements
- Minimum 25% business ownership required
- 30 Year fixed rate option available
- 30 & 40 year fixed interest-only options available
- Cash-out for reserves is acceptable