Niche Jumbo Products & Non-QM Snapshot

7 & 10 yr ARM’s from 2.250%

  • For your most rate sensitive borrowers
  • Primary Residence Only
  • Loan amounts to $2,500,000
  • Prime borrower profiles only
  • Max 43% DTI    - Cash out max 38% DTI

 Simple I-VIP Bank Statement Solution

  • No P&L Required
  • 1 Simple expense ratio applied to bank statements for all business profiles
  • Appraisal Waiver up to $1,000,000 on R/T Refinances
  • Loan Amounts to $3,500,000
  • Interest Only 30 Year Fixed Program Available

Interest Only Jumbo fixed from 3.375%

  • Interest Only Option first 10 years
  • 50% DTI OK w/720+ FICO
  • 100% Gift OK to 80% to $1.5M
  • Recently listed refinances ok to 70%
  • Appraisal to $2mm on purchase transactions

Asset Depletion to $2M from 3.375%

These programs allow combining regular income sources with asset.  ​
  • 30 Year Fixed with Interest Only Option
  • OK to use IRA’s if under 59.5 Yrs. Old
  • OK to use Stocks, Bonds and other financial assets
  • Up to 50% DTI with 720+ FICO score
  • 1 Appraisal on purchases to $2,000,000
  • Delayed Financing treated as R/T – All Cash Out OK

No Doc Non-Owner from 4.25%

  • Interest Only Payments and Qualifying
  • 30 Year Fixed with first 10 years Interest Only
  • No Prepay Penalty programs available
  • Loan Amounts to $3mm+
  • DSCR as low as .75