THE SELF-EMPLOYED BORROWER SOLUTION

Our 12-Month Bank Statement Program Comes with More...

  • No Appraisal Option to $1,000,000
  • No Appraisal Cash-Out to $1,000,000*
  • No Reserves Required to $1,000,000
  • No P&L Statements Required
  • No CPA Letters Required
  • Self-Employed with at Least 25% Ownership
  • ​Co-Borrower's Wage or Fixed-Income OK

I-VIP  Our Most Expanded Guidelines

  • ​​​90% to $1,000,000
  • 85% to $1,500,000
  • 70% to $4,000,000
  • DTI to 50% OK (up to 55% with exceptions)
  • 40 Year Fixed Interest Only to 85% LTV
  • Fico Scores as Low as 620 to $1.5M​
  • Cash-Out up to $1,000,000 Cash In-Hand
  • No 4506C or Transcripts or Tax Returns

VIP  Our Best Priced Guidelines

  • 80% to $1,000,000
  • 75% to $1.500,000
  • 65% to $3,000,000
  • Minimum FICO 660
  • Max DTI 43%, OK to 50% at Lower LTV’s
  • Max Loan Amount $3,000,000
  • Use Asset Depletion for Added Income
  • 40 Year Fixed Interest Only = LOW PAYMENTS!

​Add Asset Depletion for Even More Income...
Call Your Account Executive for Details
​The VIP series Bank Statement Programs provide alternative documentation options and provide opportunities not available using traditional full doc conforming and jumbo guidelines.  Requiring only 12 months business bank statements and/or assets for depletion over 84 months, the VIP programs offer simplified underwriting and even the prospect of an appraisal wavier on loan amounts up to $1,000,000.   

* (70% LTV & max cash in-hand $200K - Applicable when utilizing our no appraisal option)

I-VIP GUIDELINES

VIP GUIDELINES

CUSTOM PRODUCT FLYER

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