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--- PROGRAMS WE OFFER ---

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95% LTV Financing with a 590 Credit Score Full Doc

95% available down to a 620 Credit Score
Bank Statements

80% Stated Income available down to a 620 Credit Score 

90% LTV Financing with a 560 Credit Score
12 Months Bank Statements

95% Available Down to a 620 Credit Score 
with 12 Months Bank Statements

100% Available Down to a 680 Score Bank Statements

NO RATIO TO 90% FINANCING CASH OUT

NO RATIO TO 95% FINANCING

2nd Mortgage
Option Arm 1st Mortgage OK - No Grossing Up to 90%

1 or 5 Year Fixed MTA Option ARM Matrix Purchase/Rate and Term

1 or 5 Year Fixed MTA Option ARM Matrix Cash Out Refinance

STATED INCOME 95% FINANCING TO $650,000 2 UNITS

Expanded Portfolio to $3,500,000    

Expanded Portfolio to 3.5M for non-owner occupied 

95%LTV Jumbo ARM  TO 1 million    

70%/20%LTV Piggyback

stated income to $3,500,000    

90%LTV to $500,000 STATED     

VIP PIGGY BACK    

QUICK AND EZ NO DOC   

INTEREST ONLY NON-OWNER Occupied

manufactured homes

INTEREST ONLY JUMBO/NON OWNER Occupied

stated jumbo to $1,500,000 

NO DOC EQUITY LINE TO 250K

NO DOC 2ND TO $500K 

104% LTV 1ST640

MORTGAGE ONLY product

lite credit program

NO EQUITY 125% CLTV

NO EQUITY 125% CLTV HELOC  

80%LTV STATED INCOME TO $1,000,000

no equity performer 125%CLtv

100% 80/20 1st time homebuyer

90% CLTV to 1 million stated660

ARM1.95 TO 2.5MILLION

100% 80/20 LTV combo

JUMBO SUB PRIME PROGRAM

FULL/ALTERNATE DOC CHOICE JUMBO

No income verification to 2 million

90%LTV FULL DOC to $400,000 >579

90%ltV FULL DOC TO $350,000 >559

90%LTV to $400,000 >619

85%LTV to $350,000 >579

85%LTV to $300,000 >559

95%LTV NIV TO $300,000 >679

100%LTV >574

first time buyer - 95% LTV

100 LTV 80/20 combo 600

first time buyer to 95% LTV

107% LTV PURCHASE/REFINANCE

STATED JUMBO 1 UNIT

stated JUMBO 2 unit

HELOC - Interest only

90% LTV STATED INCOME - 580

125% LTV 2ND MORTGAGE 640

100% First Interest-Only - 575

95% LTV NO DOC

100% LTV INVESTMENT

100% LTV FULL DOC

$4,000,000 - 620 SCORE

107% LTV PURCHASE

107%  LTV REFINANCE

103% LTV REFINANCE

100% LTV 600

INTEREST ONLY TO $1,500,000

NEGATIVE AMORTIZATION TO $3,000,000

1ST LIEN HELOC

115% 2nd - Combined Loan To Value

1% OPTION ARM 620 SCORE

Pay Option Arm

$400,000 100% LTV 2nd Mortgage

95% financing to $1,400,000 620 Credit Score

90% financing to $2,400,000 660 Credit Score

80% financing to $3,400,000 620 Credit Score

100% financing to $1,400,000 620 Credit Score

HARD MONEY PRODUCT

No Income / No Assets - No Doc

FIXED RATE OPTION ARM

STAR 5 YEAR FIXED OPTION ARM - FULL DOCUMENTATION

500 score to 100% Financing

100% Financing Lite Doc, No Ratio, SISA
 and No Income Verification Borrowers?

ALTERNATIVE INCOME LOAN OPTION

BORROWER BENEFIT FROM OPTIONS

95% Financing For No Doc Borrower

 Pay Option Arm to $3,000,000

Option Arm 95% Financing Stated Income Stated Assets

40 year Amortization 500 Credit Score

Alternative Income Loan Option

6 Months Seasoning For All Appraised Value

Super Low "A" Pricing

Some Full Income Documentation 100% Financing Jumbo Mortgage Loans

Paperless Mortgage loan

1 loan $1,000,000 100%

FULL DOCUMENTATION: Cash-Out Refinance:

Hard Money Below 500 Score

Cash Out MLS

Non Occupant Co Borrower

Average Credit Score

High LTV - Unlimited 30, 60, 90 Day Mortgage Lates

100% LTV NINA Loans, Even For Retired Borrowers

1 x 60 Mortgage Late to 90% LTV

Fixed Rate Option Arm
Alternative Documentation

OPTION ARM TO 3 MILLION

NO RATIO TO 95% FINANCING

NO RATIO TO 90% FINANCING

90% Financing Hybrid Option ARM

100% Fixed

125% CLTV Second Mortgage

100% CLTV Second Mortgage

125% CLTV Combination Mortgage

Interest Only to $2,500,000

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