Investment Property Loans
Mortgage Loans For Investment Properties
Your real estate investor borrowers have more options working with us. Investors need a quick close without delays in today’s competitive market. Help your investor clients grow their portfolios while you increase your volume closing more loans with our mortgage products.
Fannie Mae and Freddie Mac have tightened their guidelines and are now held to a 7% purchase cap for investment and second home loans. Non-QM is the solution when Agency loans won’t work. As the end investor, we do not sell our loans to GSEs. We can do these loans when other lenders cannot.
Full Doc Agency
- Loans up to conforming limits (high balance case by case)
- Owner-occupied, second homes, investment properties
- Competitive pricing with quick turn times
Full Doc Non-Agency / Non-QM
- Platinum Jumbo – Loans up to $3 million, up to 90% no MI, one year tax return program, full doc only
- Portfolio Select – Loans up to $2.5 million, up to 85% LTV no MI, Two years seasoning for foreclosure, bankruptcy, deed-in-lieu, owner-occupied, second homes, investment properties, non-warrantable condos
Non-QM
- Bank Statement – Loans up to $3 million, up to 90% LTV no MI, 12 or 24 months personal or business statement, owner-occupied, second homes, and non-owner occupied
- Investor Cash Flow – Loans up to $1.5 million, up to 80% LTV, qualification based on property cash flow, minimum DSCR 1.0, No DSCR with 700 FICO and 70% LTV
Mortgage Loans For Second Homes
Your borrowers purchasing second homes have more options working with us. They need a quick close without delays in today’s competitive market. Help your clients purchase a second home while you increase your volume closing more loans with our mortgage products.
Fannie Mae and Freddie Mac have tightened their guidelines and are now held to a 7% purchase cap for investment and second home loans. Non-QM is the solution when Agency loans won’t work. As the end investor, we do not sell our loans to GSEs. We can do these loans when other lenders cannot.
Full Doc Agency
- Loans up to conforming limits (high balance case by case)
- Owner-occupied, second homes, investment properties
- Competitive pricing with quick turn times
Full Doc Non-Agency / Non-QM
- Platinum Jumbo – Loans up to $3 million, up to 90% no MI, one year tax return program, full doc only
- Portfolio Select – Loans up to $2.5 million, up to 85% LTV no MI, Two years seasoning for foreclosure, bankruptcy, deed-in-lieu, owner-occupied, second homes, investment properties, non-warrantable condos
Non-QM
- Bank Statement – Loans up to $3 million, up to 90% LTV no MI, 12 or 24 months personal or business statement, owner-occupied, second homes, and non-owner occupied