Non-QM Arc Access

 

Alternative Income - Bank Statements

 

  •  12- and 24-month bank statements to 90% LTV at 660 FICO to $1.5mm
  •  12- and 24-month bank statements to 80% LTV at 720 FICO to $2mm
  •  Up to 50% DTI
  •  Concierge Scenario Desk does the income calculations for you

Asset Utilization
Qualification

 

  •  Qualify your borrower by dividing their assets over 3 YEARS!
  •  Up to 70% LTV for cash-out refinance
  •  Minimum FICO 660
  •  Max DTI 40%
  •  Primary Residence, Second Home or Investment

DSCR

 

  •  Loan Amounts to $2.5mm
  •  Up to 80% LTV at 660 FICO, loan amount to $1.0mm
  •  DSCR down to .75
  •  Cash-Out Refinance up to 75% LTV

 

 

 

 

 

 

 

Agency Plus

 

  •  Up to 90% LTV at 660 FICO to $1.5mm
  •  DTI up to 50%
  •  Non-Warrantable condos eligible
  •  Multi-Unit properties eligible
  •  First Time Home Buyers allowed
  •  Non-Permanent Resident Aliens eligible

Clean Slate

 

  •  12 months seasoning for credit event
  •  1x30 housing history eligible
  •  Loan amounts to $2.0mm at 80% LTV
  •  620 FICO to 65% LTV at $1.5mm loan amounts
  •  Alternative income options available

Foreign National

 

  •  Up to 70% LTV with loan amount to $1.5mm
  •  Loan amounts to $2.5mm at 65% LTV
  •  Non-Warrantable condos eligible
  •  DSCR available to 70% LTV

 

 

 

 

 

 

 

ITIN

 

  •  Up to 75% LTV Purchase
  •  Up to 65% LTV Cash-Out
  •  Full Doc or Bank Statements for Income Qualification
  •  Down to a 680 FICO
  •  Up to $1mm

No Ratio Program

 

  •  No income or DTI calculation - qualify on asset balance!
  •  Up to 70% LTV - Purchase and Rate/Term
  •  Loan amounts to $2.5mm
  •  Minimum FICO 640

Alternative Income
- 1099 Income

 

  •  Up to 90% LTV with 660 FICO
  •  Loan amounts to $3.0mm
  •  Up to 50% DTI
  •  Interest Only available