Program D - Stated Income/Verified Assets $100,000-$2,000,000 – Mixed Use, Multi-Family & Small Commercial
Up to 80% LTV
3, 5, 15 & 30 yr fixed
Debt service requirement as low as 1.0
Declining prepayment penalties & No lockout
Minimum 660 credit score

Program D – Stated Income/Verified Assets $750,000 - $5,000,000 – Multi-Family and Mixed Use with up to 20% commercial space                                                       
Up to 80% LTV
5, 7, 10 & 30 yr fixed
Debt Service requirement as low as 1.20
Declining prepayment penalties
Minimum 680 credit score

Program G - Stated Express Program for Owner / Occupied
$100,000- $1,000,000
No Tax Returns or Financial Statements Required
LTVs up to 90%
2, 5, 10, & 30 yr Fixed
Property DSCR is NOT calculated or required.
Fico Requirements start at 660

Program G – Stated Program O/O Properties No Tax Returns or Financial Statements Required $250,000 - $2,000,000
LTVs up to 70%
2, 5, 7 & 30 yr Fixed
No minimum property Debt service
Minimum owner occupancy of 50%
Minimum 680 credit score

Program G - Stated 504 Program O/O Properties $250,000- $2,000,000
No Tax Returns or Financial Statements Required
Up to 90% LTV
2, 5, 10, & 30 yr Fixed
Debt Service requirement of 1.20
Minimum 680 credit score

Program C - Stated $100,000- $2,000,000
Up to 80% LTV
No Tax returns or financial statements required
Debt Service requirement of 1.20 for Multi-family and 1.30 for Commercial
No Debt Service for loan amounts under $600k with a 680 credit score on owner occupied properties
Minimum 650 credit score

Program A – Stated $100,000-$750,000
Up to 75% LTV                                                                      
No tax returns or financial statements required                   
Debt Service requirement of 1.0 for O/O and 1.20 for Investment properties                                                             
No DSCR requirement when using a Limited Summary
Appraisal with a minimum population of 50,000
Minimum 680 credit score