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Click on the program name icon to learn more about a specific program:
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PROGRAM NAME
MINIMUM DOWN PAYMENT
IDEAL CANDIDATE
ELIGIBLE PROPERTY TYPES
INCOME QUALIFICATION METHOD
MAX LOAN SIZE
MINIMUM DOWN PAYMENT
IDEAL CANDIDATE
PROGRAM NAME
ELIGIBLE PROPERTY TYPES
INCOME QUALIFICATION METHOD
MAX LOAN SIZE
10%
Designed especially for BUSINESS OWNERS who have been in business for at least 24 months or longer.
We perform our own analysis of your bank statements, looking for ordinary business income and applying an expense ratio. This usually reveals a very different financial portrait than the traditional tax return approach of a traditional loan program.
Single Family
Townhome / Villa
2-4 Unit Multi-Family
Condos
(Warrantable and Non-Warrantable)
Condotels on a case-by-case basis
Bank Statement analysis of ordinary business income.
Tax Preparer Explanation letters.
TAX RETURNS NOT USED
$100,000 - $3MM
Single Family
Townhome / Villa
2-4 Unit Multi-Family
Condos
(Warrantable and Non-Warrantable)
Condotels on a case-by-case basis
Full and Alt Documentation.
Blended, based on various sources instead of using tax returns, supporting verification, assets
$100,000 - $3MM
10% - 30%
Designed for applicants with out-of-the box scenarios, recent major credit events such as bankruptcy, foreclosure, short sale and deed-in-lieu of foreclosure,
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Single Family
Townhome / Villa
2-4 Unit Multi-Family
Condos
(Warrantable and Non-Warrantable)
Condotel
Specialty properties / waterfront / large acreage lots, etc.
Full-Documentation.
Blended, based on tax returns, supporting verification, assets
Our own Portfolio Program. Designed for a wide variety of scenarios. Flexible with credit scores., income calculation, property types, self-employed.
$100,000 - $3MM
20%
ELIGIBLE PROPERTY TYPES
INCOME QUALIFICATION METHOD
IDEAL CANDIDATE
MAX LOAN SIZE
MINIMUM DOWN PAYMENT
PROGRAM NAME
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Single Family
Townhome / Villa
2-4 Unit Multi-Family
Condos
(Warrantable and Non-Warrantable)
Condotels on a case-by-case basis
1099 Documentation.
Employer verification
TAX RETURNS NOT USED
Designed especially for 1099 employees working for the same employer for at least 2 years or longer.
We can use 100% of the 1099 income with a letter from the employer stating that the applicant has no job-related expenses.
$100,000 - $3MM
10%
MINIMUM DOWN PAYMENT
IDEAL CANDIDATE
PROGRAM NAME
ELIGIBLE PROPERTY TYPES
INCOME QUALIFICATION METHOD
MAX LOAN SIZE
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Single Family
Townhome / Villa
2-4 Unit Multi-Family
Condos
(Warrantable and Non-Warrantable)
Profit & Loss (P&L) Statement prepared by a CPA or other licensed tax professional.
TAX RETURNS NOT USED
Designed for business owners and independent contractors in business for 2 years or longer. This program also works well for cash businesses.
We can use 100% of the NET income from a Profit & Loss Statement prepared by a licensed tax preparer.
We also accept business owners in business for over 1 year but less than 2 years (on a case-by-case basis)
$100,000 - $3MM
20%
MINIMUM DOWN PAYMENT
IDEAL CANDIDATE
PROGRAM NAME
ELIGIBLE PROPERTY TYPES
INCOME QUALIFICATION METHOD
MAX LOAN SIZE
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MINIMUM DOWN PAYMENT
ELIGIBLE PROPERTY TYPES
INCOME QUALIFICATION METHOD
IDEAL CANDIDATE
PROGRAM NAME
MAX LOAN SIZE
ELIGIBLE PROPERTY TYPES
INCOME QUALIFICATION METHOD
IDEAL CANDIDATE
MAX LOAN SIZE
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PROGRAM NAME
MINIMUM DOWN PAYMENT
IDEAL CANDIDATE
PROGRAM NAME
ELIGIBLE PROPERTY TYPES
INCOME QUALIFICATION METHOD
MAX LOAN SIZE
MINIMUM DOWN PAYMENT
Single Family
Townhome / Villa
2-4 Unit Multi-Family
Condos
(Warrantable only)
Full Documentation.
Based on tax returns, supporting verification, assets
3%
Average homebuyers with average needs.
Single Family
Townhome / Villa
2-4 Unit Multi-Family
Condos
(if FHA-approved)
Full Documentation.
Based on tax returns, supporting verification, assets
$100,000 - $472,030
3.5%
Average homebuyers &First Time Homebuyers
Single Family
Townhome / Villa
2-4 Unit Multi-Family
Condos
(if VA-approved)
Full Documentation.
Based on tax returns, supporting verification, assets
$100,000 - No Upper Limit established, as long as the Veteran qualifies.
0%
Qualifying Veterans of the US Armed Services
$100,000 - $726,200*
* for single family homes. Higher loan amounts for certain regions, and for multi-family homes.
See our Conventional Loan resource page for most current info.
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