I) NO Income, NO MINIMUM CREDIT 65 LTV

Our focus is narrow (1-4 unit residential non-owner occupied) but our process is the easiest and most reliable in the industry.  We only pull a Tranunion credit report for pricing.  We don't have a minimum credit score requirement. We never ask of additional financial or employment information.  We don't source and season down payments or care about debt-to-income ratios.

Adjustable rate mortgage programs which require minimum 650 credit score and 30% down payment.

• No tax returns required
• Employment is verified
• Assets are verified. Any large deposit in the past 60 days must be sourced by bank account.
• Restricted to non-owner occupied properties in all states.  
• Borrower must have minimum down payment of 5% of their own funds. 
• Gifts from family members are okay.  
• No maximum on number of properties owned.  
• Prepayment penalties apply for the fixed portion of the program. 
• Property titled in the name of an LLC or corporate name.  
• Debt service coverage is 1.20x. 

II) No Income, Verified Assets

Portfolio mortgage program for W2 wage earner or self-employed (for 2 years).  Verfication of assets and employment.

• Minimum credit score of 680+
• Requires 40% down payment or equity in property.
• Purchase or refinance.
• Owner occupied or investment (1-4 units) properties. 
• Must have 42 months of housing payment reserves after closing

Apply now On-Line Secured Application