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Version du 13 septembre 2021 à 19:51



- Income is stated and never verified.
- Purchase, rate and time period, or cash out refinance. Undocumented aliens with ITIN numbers are not allowed below this program.
- Documented potential to repay could also be relevant under certain eventualities.
- US citizens, permanent resident aliens, hard money loans bad credit and international nationals with valid passport and US visa are allowed.
- $5,000,000 maximum loan amount.
- 500 minimum credit rating required.
- Up to 65% loan-to-value for cash-out refinances (see guidelines).
- SFR, PUDs, condos, hard money loans bad credit townhouses, and 2-four units allowed.
- Owner-user, second dwelling or funding properties.
- Blended-use residential property with commercial influence allowed on case-by-case foundation.
- $100,000 minimal mortgage amount.
- As much as 70% loan-to-worth for purchases and charge/term refinances (see tips).
- No reserves required.


- All loans require impounding of property taxes and hazard insurance. - Property must be situated in the State of California.
- No prepayment penalty.




To download underwriting guidelines

for our exhausting cash loan program:
- Accessible as a 5/1 ARM or 7/1 ARM solely, amortized over 30 years.

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