•         Loans up to $3 million (minimum

           $150,000)

•         Credit scores starting at 660
•         Up to 95% LTV/CLTV
•         Owner-occupied, Second homes, and             Investments
•         Non-warrantable condos
•         Interest-only available
•         Cash-out allowed

•         Full doc 1 and 2 Year and Bank                         Statements 24/12 available WVOE                   options available

•         Assets Depletion program available

•         Extended DTI to 55% - See Program               guides

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•         Bankruptcy Chapter 12 - 12 month                   out to settled - Refer to our Guides

•         Loans up to $5 million (minimum

           $100,000)

•         Credit scores starting at 500
•         Up to 95% LTV/CLTV
•         Owner-occupied, Second homes, and             Investments
•         Non-warrantable condos considered
•         Interest-only available
•         Cash-out available

•         Full doc 1 or 2 Years and bank                         statements 24/12 months, asset                       utilization and WVOE program                         available

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•         Loans up to $2 million (minimum

           $100,000)

•         Credit scores starting at 500
•         DTI options up to 55%
•         ARM, Fixed & I/O available
•         Reserves vary on program 3 to 6                       month options
•         Cash-out available – $500,000   

           maximum

•         Documentation types from Full/Alt

•         Foreclosure,Short Sales /DIL,                           Chapter 7/11 options from 24 months              to settled (refer to complete guides)

•         Chapter 13 discharged