Loan Parameters:

• 20% down payment / 80% Loan to value when refinance.
• No credit score or low credit scores is okay. With Alternative tradelines.
• No mortgage insurance required.
• Gift funds from a relative for closing are allowed.
• Primary Residence and Investment.
• Fixed rates available.
• Terms of 10, 15, 20 and 30 year loans. As well as 6-12 Month Hard money loans.
• No prepayment penalties to pay early or extra each month.
• Borrowers with TAX ID or ITIN # are okay.
• Alternative income documents are acceptable.

Types of Income Documents Allowed:

• CPA/ Accountants Letter required when self employed.
• 12 Month Bank Statements.
• Two years of 1099’s.
• Two years of W2’s.
• Lease agreement on rental income from existing property.
• Two years tax returns.
• Verification of Employment for the last 2 years.