We validate income with a unique approach to qualifying the ability to repay. Borrowers shouldn't be judged based on what they made years ago. No tax returns or W2's needed. 100% Gifts allowed for a down payment, closing costs, and reserves.

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Program Details

Income Verification
  • Self-Employed: 12 Month CPA / Accountant Prepared P&L
  • Salaried: VOE1 Of Current Income Only
  • No Tax Returns Or W2s Required.
  • Up To 50% DTI
Asset Verification
  • 1 Month Bank Statement (Covering At Least 30 Days)
  • 100% Gifts Allowed For Down Payment, Closing Costs, Reserves
  • Cash-Out Proceeds May Be Used Towards Reserves
Program Highlights
  • Purchase & Rate/Term Refinance Up To 80% LTV
  • Cash-Out Refinance Up To 75% LTV, Unlimited Cash-Out Funds
  • 1-4 Units, Condos, Coops, PUDs
  • Second Homes Allowed
  • Minimum 660 FICO
  • Loan Amounts Up To $3,000,000
  • Flexible Terms
  • Interest Only Option Available On All Loan Terms Except 15 Year Fixed

Mortgage Rate Options

Adjustable ARM

Adjustable-rate mortgages include interest payments which shift during the loan's term, depending on current market conditions. Typically, these loans carry a fixed-i...

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Fixed Rate

The most common type of loan option, the traditional fixed-rate mortgage includes monthly principal and interest payments which never change during the loan's lifetime.

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Interest Only

Interest only mortgages are home loans in which borrowers make monthly payments solely toward the interest accruing on the loan, rather than the principle, for a specif...

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Graduated Payments

Graduated Payment Mortgages are loans in which mortgage payments increase annually for a predetermined period of time (e.g. five or ten years) and...

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