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Alt-Doc Mortgage Program

90% LTV (loan-to-value) Financing

$1,000,000 - Maximum loan amount:

  • 3 Month Reserve Requirement for Each Property Owned

$2,500,000 - Maximum loan amount:

  • 6 Month Reserve Requirement for Each Property Owned

Residual Income Requirement: / DTI

DTI Less Than 35% - $2000 Monthly Residual Income

DTI Greater Than 35% - $3000 Monthly Residual Income

Property Types:

SFR Single Family Residence

PUD Planned Urban Development

Condo

  • Non-Warrantable

DTI

50% with 680 Credit Score to 80% LTV

Interest Only payment Available - 680 Credit Score

Gift Funds

100% financing available with 20% gift

Underwriting Notes:

Super Jumbo Loan Amounts require a second appraisal

Credit Notes:

0 30 Day Mortgage Lates - 12 Month History

Maximum Properties Owned:

Owner Occupied - No Limit

Investment Property or Second Home - 10 Maximum unless LTV

  • less than 75%, LTV, No Limit

 

States:

Alabama | Arizona | California | Colorado | Delaware | Florida | Georgia | Hawaii | Illinois | Indiana | Iowa | Kansas | Kentucky | Louisiana | Maine | Maryland | Massachusetts | Michigan | Mississippi | Missouri | Nevada | New Hampshire | New Jersey | New Mexico | North Carolina | Oklahoma | Oregon | Pennsylvania | Rhode Island | South Carolina | Tennessee | Texas | Utah | Vermont | Virginia | Washington | Wisconsin

Reference # 214 554488