Wholesale Loan Products

 

When it comes to choosing your Wholesale lending partner, we know there are many things to consider. Our products set the standard in the industry for innovation. And because that innovation is in our DNA, we will always be on the cutting edge of what matters most to you and your borrowers.

 

 

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