EXPLORE
SIMPLE ACCESS®

It shouldn’t be complicated to finance a home! We saw a need for common sense solutions for self-employed borrowers and those with non-traditional income. Our Simple Access products are just that…simple, flexible, and straightforward.

1099 ONLY

Qualify borrowers that receives compensation in the form of commission or independent contractor basis and receive IRS form 1099 at year-end.

Program Highlights:

  • Loan Amounts up to $3 MM
  • Max LTV Purchase 90%, R/T Refi. 80%, C/O Refi. 75%
  • DTI up to 50%
  • Interest Only available
  • Minimum one year self-employment (with prior related experience)
  • Full income documentation for a Co-Applicant may be used in addition to the 1099 income.

INVESTOR CASH FLOW

Created specifically for investors, qualification is based on the income to be generated by the subject property. It’s no longer necessary to have large amounts of cash on hand to build a real estate portfolio.

Program Highlights:

  • Loan Amounts up to $2.5MM
  • Purchase or Rate and Term Refinance Max LTV 80%
  • Cash out proceeds can be used for reserves up to LTV 70%
  • No DTI developed
  • No Income or Employment Information Required
  • Interest Only available
  • LLCs, Partnerships and Corporations are eligible vesting types
  • Multiple financed properties allowed
  • Vacant Properties: use 100% of market rents on purchases

ASSET QUALIFIER

Eligibility is based on liquid assets in a savings or securities account. No need for tax returns or traditional income documentation. Allows homebuyers to use assets for qualification without tying them up for a home purchase.

Program Highlights:

  • Loan amounts up to $3 MM
  • Max LTV Purchase 90%, R/T Refi. 80%, C/O Refi. 75%
  • No Income or Employment Information required
  • Interest Only available with a 30 or 40 year amortization

    BANK STATEMENT

    Qualify your borrowers based on analysis of bank deposits rather than traditional income documentation. No tax returns required. Business or personal bank statements are permitted. Choose from several options for calculating qualifying income.

    Program Highlights:

    • Loan amounts up to $3MM
    • Max LTV Purchase 90%, R/T Refi, 80%, C/O Refi 75%
    • DTI up to 50%
    • Interest Only available
    • Business and Personal Statements allowed
    • Multiple bank statement qualification options
    • Cash out up to $2.5MM allowed

    FULL DOCUMENTATION

    A solution for scenarios that don’t quite fit the guidelines for conventional financing. Qualification focuses on the borrower’s ability to repay based on common sense underwriting, and perfect credit is not required.

    Program Highlights:

    • Loan amounts up to $3MM
    • Max LTV Purchase 90%, R/T Refi 80%, C/O Refi 75%
    • DTI up to 55%
    • Interest Only available
    • All occupancy types allowed
    • LLC, Partnerships and Corporations are eligible vesting types
    • Multiple financed properties allowed
    • One year tax return program available

      FOREIGN NATIONALS 

      Loans for foreign national borrowers utilizing either liquid assets or rental income on
      subject investment properties for qualification.

      Program Highlights:

      • Loan amounts up to $2MM
      • No US credit score or history required
      • Investment properties only
      • 5/6, 7/6 and 10/6 ARM, 15 and 30 year fixed 
      • No foreign credit verification required
      • Credit score down to 680
      • Valid visas required
      • Defined length of stay is required
      • No DTI developed
      • No Income or Employment Information required

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