Loan Features

• No tax returns required
• Qualified based on Personal or business statements for the most recent 12 months
• Loan amount up to $3 million
• 10% Down Purchase with no MI
• DTI up to 55%
• Owner occupied, 2nd home, Investment Property
• Interest Only Loan Options
• 30-year fixed option available
• Non-Perfect Credit OK
• Gift Funds for Down Payment
• W2 co-borrower ok, income and employment traditionally verified
• Retirement income is usable with verification (1099, award letter, etc)

Requirements:

• 2 years of self-employment verified through CPA or business license
• Low number of NSF or O/Ds
• 12 month of mortgage or rental history
• 3 month reserves