Parameters:

• For Non-Owner Occupied only ( Investment or Second home)
• NO Minimum credit score – if US credit, interest rate will be better
• Don’t need credit reference letters like other lenders
• Loan amount from $100k to $4 Million
• 6 months of reserves required (savings equivalent to 6 months of mortgage payments)
• 20% Down Payment – for better rate 25% down payment
• Debt Service Program – No US income needed
• Available for purchase, refinance and cash out refinance. (cash out 70% Loan to value)
• 30 year loan, full amortization
• Fixed rates, adjustable rate and interest only also available.
• 100% Funds for closing can be gift when loan is 65% or less of the sales price or value. Higher loan then 65%, no gifts allowed.
• Loan does not need to close under the LLC.
• Does not need to have an Escrow Acct. Insurance and taxes can be paid separate from the monthly payment.
• We can lend in all the following States;
• AL, AR, CA, CO, CT, DC, DE, FL, GA, HI, IA, IL, IN, KY, LA, MA, MD, ME, MN, MO, MS, NC, NH, NJ, NM,  NY, OK, PA, RI, SC, TN, TX, VA, WA, WI, WV, WY.
• Passport from the Borrowers own country. Don’t need US Identification.
• Don’t need to proof home ownership in another country.
• Closes in 25-30days from the date of the contract.