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Bank Statement Fixed - Blue

  • 620+ FICO with LTVs up to 90%
  • Loan amounts starting at $100,000 up to $3M
  • Up to 50% DTI
  • Self-employed borrowers only
  • First-time homebuyers not permitted on investment properties
  • Eligible on primary, second and investment property purchases, rate/term and cash-out refinances
  • Reserve requirements:
    1. Minimum 6 months’ reserves for loan amounts lower of equal to $2M
    2. Minimum 9 months’ reserves for loan amounts over $2M
  • Minimum 12 months' consecutive bank statements required
  • Two separate appraisals from two different appraisers required for loan amounts over $1.5M
  • Temporary Rate Buydowns not permitted
  • Not eligible in West Virginia or on Texas 50(a)(6)

Bank Statement Fixed - Yellow

  • 620+ FICO with LTVs up to 90%
  • Loan amounts up to $3M
  • Up to 50% DTI
  • Self-employed borrowers only
  • First-time homebuyers not permitted on investment properties
  • Eligible on primary, second and investment property purchases, rate/term and cash-out refinances
  • For primary home loans:
    1. Loan amounts up to $1.5M - minimum 6 months' reserves required
    2. Loan amounts over $1.5M - minimum 12 months' reserves required
  • For second and investment property loans:
    1. Minimum 12 months' reserves required
  • Borrowers with more than 1 financed property require the greater of 9 months' reserves or reserve amount stated above plus an additional 2 months for each financed property
  • Minimum 12 months' consecutive bank statements required
  • Two separate appraisals from two different appraisers required for loan amounts over $2M
  • Temporary Rate Buydowns not permitted
  • Not eligible in West Virginia or on Texas 50(a)(6)

Bank Statement Fixed - Pink

  • 660+ FICO with LTVs up to 85%
  • Loans up to $3M
  • Up to 50% DTI
  • At least one borrower must be self-employed
  • No minimum tradeline requirements
  • Eligible on primary, second and investment property purchases, rate/term and cash-out refinances
  • Reserve Requirements
    1. Loan amounts up to $2M - minimum 6 months' reserves required
    2. Loan amounts over $2M - minimum 9 months' reserves required
  • Minimum 12 months' consecutive bank statements required
  • Two separate appraisals from two different appraisers required for loan amounts over $1.5M
  • Temporary Rate Buydowns not permitted
  • Not eligible in West Virginia or on Texas 50(a)(6)

Bank Statement Fixed - Orange

  • 660+ FICO with LTVs up to 90%
  • Loans amounts starting at $100,000 up to $3.5M
  • Up to 55% DTI
  • Self-employed borrowers only
  • First-time homebuyers on primary and second home transactions only, up to 50% DTI
  • Eligible on primary, second and investment property purchases, rate/term and cash-out refinances
  • Reserve Requirements
    1. Loan amounts up to $1M - minimum 6 months' reserves required
    2. Loan amounts between $1M and $2M - minimum 9 months' reserves required
    3. Loan amounts over $2M - minimum 12 months' reserves required
  • Borrowers with more than 1 financed property require an additional 2 months reserved for each financed property
  • Minimum 12 months' consecutive bank statements required
  • Two separate appraisals from two different appraisers required for loan amounts over $2M
  • Temporary Rate Buydowns eligible
  • Not eligible in West Virginia or on Texas 50(a)(6)

Your Home Loan Could Be Fully Funded 30 Days From Now

  • Fixed Rates

    Fixed Rates

  • Adjustable Rates Mortgage (ARM)

    Adjustable Rates
    Mortgage (ARM)

  • Conforming Loans

    Conforming
    Loans

  • Jumbo & Super Jumbo Loans

    Jumbo & Super
    Jumbo Loans

  • FHA, VA Loans

    FHA, VA Loans

  • Self-Employed Borrowers

    Self-Employed
    Borrowers

  • Bank Statement Loans

    Bank Statement
    Loans

  • Terms from 5 to 30 Years

    Terms from 5 to
    30 Years

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