Strategic Alliance

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• Bankruptcy Buyouts
• 90% LTV with a 500 middle score
• No LTV reductions for town homes, condos, or rural properties
• Cash out lease purchase off of appraised value
• 1st time homebuyers to 100%
• Rate reductions for purchase or refis with original appraisal
• Direct access to underwriters
• Chapter 7 — 12 months discharged
• No credit, no scores up to 80%
• Collections can be left open
• Foreclosure >12 months
• DTI’s to 55% with one compensating factor

• Investor Stated to 80%
• No Seasoning of Funds
• Highrise condos to 100%
• Seller concessions to 6%
• Rent free letters accepted
• Cash out to $100K
• 5% LTV exceptions with compensating factors
• 1 year self-employed stated
• Tax Liens may be left open in some cases
• 90% Stated (purchase or cash-out)
• CLTV's allowed up to 100%
• Loan amounts to 500K

Features

• Middle score of primary wage earner (Full Doc)
• Disregards consumer credit fates
• No Seasoning of Funds
• Only 1 active trade open for past 6 months + 4 others
• Upgrades available with compensating factors
• 50% DTI ratio on all grades

Program Highlights

• 80/20 Combo with 600 middle score* (first time homebuyers ok!)
• 95% LTV with 580 middle score (purchase and r/t) to $400,000
• 90% Investor with 600 middle score
  
  

Features

• No Seasoning of Funds
• Lates on investment properties treated as consumer
• No LTV reduction for rural, condo/townhome (100% available)
• Tax Liens left open if older than 2 years.

Program Highlights

• 100% LTV with 580 middle score of primary wage earner (full doc)
• 100% available with 680 middle score, 2 years self-employed required (stated income)
• 90% LTV or less, 500 middle score
• 90% LTV or less, one year self-employed allowed (full doc)
• 85% LTV or less, W-2 wage earner allowed on all grades (except C)
  
  

Features

• 0x30 residential pay history for past 24 months
• SFR detached, condos & townhomes - no rural properties
• 5 Trades required with 24 month history (one active in last 6 months)
• Owner occupied and second homes available
• Field Review Mandatory
• Earnest money > 2% must be sourced and seasoned
• Escrows required on all LTVs
• MI required on LTVs over 80%
• No subordinate financing
• No 4506

Program Highlights

• No Doc
• NO INCOME/NO EMPLOYMENT/NO ASSET!
• 95% LTV with 620 middle score up to $300,000
• Loan sizes to $500,000 at Lower LTVs
• 90% LTV cash-out, max $100,000 Stated Income/Stated Asset
• NO VERIFICATION OF ASSETS REQUIRED!
• 95% LTV with 620 middle score up to $400,000
• Loan sizes to $600,000 at Lower LTVs
• 45% DTI
• 4 months stated reserves required
• Written VOE on W-2 wage earner, Business License or CPA Letter for
  self-employed
• 90% LTV cash-out, max $100,000
  
  

Requires source & seasoning of funds

• 107% LTV with 680 middle scores on purchase and debt consolidation
• 100% LTV stated income with 720 scores
• 95% LTV stated income with 680 scores
• 95% Investor Loan with 720 scores

• 103% LTV with 600 - 679 scores
• Second homes are allowed
• Refinances must have 12 months seasoning
• No upgrades or exceptions available
  

• Competitive Pricing
• Fannie Mae Expanded Approval I, II and III Programs Available
• 90% LTV - Fannie Mae Stated Program Available
• Flex 100% LTV - 100% Fannie Mae Financing
  • Available for Approved Eligible, Expanded Approval I and II.
  • Seller concessions are not allowed
  • Alternative sources of funds are allowed for down payment and/or closing costs.
  • No borrower down payment is required
  • First time homebuyers are allowed

• Flex 97% LTV - 97% Fannie Mae Financing
  • Available for Approved Eligible, Expanded Approval I and II.
  • 3% down payment is required. The down payment can consist of alternative sources of funds.
  • First time homebuyers are allowed
• ARMS-Conventional and Jumbo
  • 1, 3, 5, 7 & 10 year
  • 3, 5 & 7 year balloons
• Fixed-Conventional and Jumbo
  • 30 year & 15 year
    
    

• Low or no down payment
• Down payment assistance programs
• High and flexible debt-to-income ratios
• Some closing costs may be financed or paid by the Seller

• Eligible property types:
  • Primary residence 1-4 units
  • Second home 1 unit
  • Investment properties 1-4 units
  • Condominiums (projects approved by FHA/VA)
  • Planned unit developments
    
    

Option 1 - Minimum Payments Due
Option 2 - Interest Only Payment
Option 3 - 30-Year Full Principal and Interest Payment
Option 4 - 15-Year Full Principal and Interest Payment

Features

• Fully Indexed LIBOR product with rates as low as 3.125%*
• Automatic recasting after principal reduction
• No negative amortization
• Loan amounts up to $1.5 Million
• 1 month LIBOR, 6 month LIBOR, 3/6 & 5/6 ARMs available
• 620 Middle score of primary wage earner required, 700 Middle score
  for > $1 Million
• Qualify 2 over start rate (DTI from 38-50%)
• Fannie Mae approved condos, attached townhomes & PUDs treated as SFR

Program Highlights

• 80/20 up to $600,000
• 95% LTV to $400,000 with MI
• 90% LTV to $500,000 with MI
• 95% LTV cash-out

• 90% Stated Income up to $500,000 (purchase & r/t)
• 80% Stated Income up to $500,000 (cash-out)
• 75% Stated Income up to $650,000
• 70% Stated Income up to $750,000

• 65% Stated Income up to $1,000,000
• 700 middle credit score for all borrowers
• 6 months ITI (reserves after closing verified)
• Two years documented self-employment history required

• 75% up to $500,000
• 70% up to $750,000
• 55% up to $1,000,000

• Two years continuous self-employment
• 700 middle credit score for all borrowers
• 10 months ITI in reserves after closing