home of itin lending programs

PRIMARY RESIDENCE ONLY

• 3.5% DOWN PAYMENT
• NOT FOR FIRST-TIME BUYERS
• ONLY-DOWN PAYMENT INCREASES TO 5% WITH SUBSEQUENT PURCHASE
• SINGLE FAMILY, TOWNHOUSE OR CONDO (FHA APPROVED ONLY)
• YEAR TO DATE INCOME ONLY (INCLUDES 2ND JOB)
• 6% SELLER CONCESSION ALLOWED
• NO CREDIT SCORES ALLOWED
• MAX DTI OF 55%
• EQUITABLE TITLE RIGHTS-ALL THE BENEFITS OF HOMEOWNERSHIP

PRIMARY RESIDENCE ONLY

• 1-UNIT PRIMARY RESIDENCE
• 2-4 UNIT PRIMARY RESIDENCE (REQUIRES MINIMUM 20% DOWN)
• 2 YEAR TAX RETURNS REQUIRED
• 6% SELLER CONCESSION ALLOWED
• NON-WARRANTABLE CONDO
• GIFT OF EQUITY IS ALLOWED

PRIMARY RESIDENCE ONLY

• 20% BANK STATEMENT
• 1-4 UNIT PRIMARY RESIDENCE
• 12 MONTHS BUSINESS OR PERSONAL STATEMENTS
• 6% SELLER CONCESSION ALLOWED
• GIFT OF EQUITY IS ALLOWED

PRIMARY RESIDENCE ONLY

LOWER YOUR INTEREST RATE

OR

ACCESS THE EQUITY IN YOUR HOME FOR:

• REPAIRS
• PAY OFF DEBT
• PURCHASE INVESTMENT PROPERTY

ONLY RESIDENTIAL 

1-4 UNITS

• NO INCOME VERIFICATION
• DEBT SERVICE COVERAGE RATIO USED: Rental Income minus Building Expenses
• SELLER CONCESSION OF 3% ALLOWED

• RESIDENTIAL & COMMERCIAL PROPERTIES ALLOWED
• PURCHASE & REFINANCE
• 20% DOWN ON PURCHASE (DEPENDING ON EXPERIENCE)
• 100% FINANCING ON REHAB

INCOME TYPES-FULL DOC

12 MONTH BANK STATEMENTS

NO INCOME VERIFICATION

PROPERTY TYPES:

• 1-100 RESIDENTIAL UNITS INCLUDING MIXED USE
• RETAIL STRIP CENTERS
• WAREHOUSE/STORAGE
• OFFICE BUILDINGS
• LIGHT INDUSTRIAL
• RESTAURANT/BARS
• AUTOMOTIVE REPAIR, TIRE, BODY SHOPS
• DAYCARE CENTERS
• HOTELS
• CHURCHES