For the rock solid borrowers, we still have Stated Income and No Doc Loans. Also, utilizing your actual tax returns we can qualify you "full income documentation" using the gross income figure, not the "adjusted gross" income - Residential lending is ever evolving --- Do not judge your credit profile --- Loan amounts from $10,000 To $100,000,000 - Over 9 billion funded --- Featured loan programs to you - 3 & 5 Year Interest Only / Amortized Portfolio loans to a loan amount max of $2,500,000. These qualify on the Interest Only payment and are one of the best selling product lines because of our portfolio niches - If you have equity and strong principals, bring it to the table - 6 Month Libor and COFI that have an Interest Only payment that adjusts every 6 months. Very Low payment with no negative amortization. 30 Year conforming fixed rates, 15 Year, 10 Year, 20 Year, and 40 Year fixed amortized loans. Also includes a 10 Year I/O for conforming. Jumbo Conforming fixed 30 & 15 year Conforming 3 Year and 5 Year fixed/amortized includes a conforming 5 Year Interest only Libor product. 1 Year fixed Interest Only / Amortized Portfolio loans that have a 5 Year Interest Only payment that adjust every year on CMT and margin, Loan amount max is $2,500,000 and this product may have a lower 2nd year payment - fha all 50 states - loan modification available - 30y fixed - all 50 states - no debt to income or fico required for 80% financing - Condotels, Full doc single family residence and 2nd homes to $750,000 80% ltv financing and 90% combined financing 3/1io ( seller held financing) Non owner occupied 70% ltv financing and 75% combined loan to value - stated income for condotels, primary residence and 2nd home allowed to 70% ltv financing, 75% combined loan to value on a 3/1io - A, alt-a and sub prime - Manufactured homes - On line pricing engine - Commercial Loans to 10 billion - Pledged assets - LLC loans - Prime + 1 full doc on commercial to $750,000, stated income - Gas stations, Co-ops, Trophy homes, International commercial loans, Churches, schools, marina’s, casino’s, apt buildings, air craft, ships, movies, tv pilots, cross collateralization, flower shops etc - Refi on existing buildings for upgrades - New construction - No limit on loan amounts - A & Alt-A Products - SIVA Programs Available - FHA & FHA Jumbo - Expanded DU Approvals EA 1, 2, & 3 - Jumbo - Conforming Products - 1 Day off MLS Market Refinance – much much more----Let the loan professional qualify you; A PROFESSIONAL LOAN OFFICER CAN PREPARE YOUR APPLICATION TO ACCOMPLISH WHAT YOU ARE LOOKING TO ACHIEVE - APPLY NOW