ITIN & ACRA PROGRAMS
Designed for the Self-Employed, Investors, and Foreign National Borrowers.
The Most Competitive Jumbo Prime in the Market
Jumbo Prime
- Lender Credits can be applied towards Broker Comp
- Business funds can be used for reserves (Must be 100% owner)
- Transferred Appraisals OK
- NO MI, Impounds can be waived
- C/O up to $500K
Qualify with letter of good standing with current financial institution or international credit report
Foreign National
- 1 to 4-unit properties
- Loan amounts up to $2M
- No income, job, or credit required
- No reserves required < 75% LTV
- Non-Owner Occupied only – Condotels/Pudtels Allowed
- 5yr/7yr ARM & 30-year Fixed
- 70% Max LTV Purchase – 65% Max LTV Refinance
Qualify with enough liquid assets to cover the loan balance
ATR-In-Full
- Borrower does not have to be currently employed
- Only show two months of statements for qualifying account
- Down to 600 credit score
- 75% Max LTV Purchase – 70% Max LTV Refinance
- Owner-Occupied only
- Can use Liquid Assets
Qualify with Most Recent Personal or Business Account’s Bank Statements
3 Month Bank Statement
- Up to $3M Loan Amounts
- 75% Max LTV Purchases – 70% Max LTV Refinance
- Self-Employed Borrowers Only
- 675 or greater credit scores
- Owner Occupied Only
- First-Time Home Buyers considered at lower LTV
- Transfers can be used for qualifying income
Available on SFRs, 2-4 Units, Condos, Townhomes, Condotels, and Non-Warrantable Condos
Investor Cash Flow
- Loan amounts up to $2M
- Non-Owner Occupied only
- No reserves required < 75% LTV
- Reconciled rent estimate based on 1007 or lease agreement
- No income or job verification
- 5yr/7yr ARM & 30-year Fixed
- LPC & Borrower Paid Comp Available (or a combination of the two up to 3 points)
Qualify with Full Doc & Bank Statements
Jumbo Non-QM
- Loan Amounts up to $4M
- I/O available with a 650+ FICO
- C/O available with no max cash in hand depending on LTV
- Foreign National
- No reserves required < 75% LTV
- C/O proceeds can be used for reserves > 75% LTV
- Can use transferred appraisals
Qualify with 100% on Personal Deposits and 50% on Business Deposits
12 Month Bank Statement
- Up to $4M Loan Amounts
- Up to 90% Max LTV
- Self-Employed and 1099 Borrowers
- 600 or greater credit scores
- No reserves required < 75% LTV
- No 4506T / No K1’s / No P&L’s
- No MI
Interest Only program offers loan amounts up to $4M (O/O) with a 90% maximum LTV
Interest Only
- 650 minimum credit score
- Owner Occupied, Non-Owner Occupied, and 2nd Homes
- Available on 5/1 and 7/1 ARM
- Max LTV up to 90%
Individual Taxpayer Identification Number
ITIN
- Qualify Full Doc or 12-Month Bank Statement for SE
- No reserves required ≤ 75% LTV
- 2-year income history
- Valid U.S. government issued ID
- 80% Max LTV Purchase – 80% Max LTV Refinance
- Loan amounts up to $1M
APPLY NOW OR REACH OUT WITH QUESTIONS
Not all programs are available in all states. Please contact your mortgage banker for full program eligibility and details.
