Approval: VA Approved

UWM

Agency , Government , DPA , Jumbo
Bank Statement , DSCR

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EPM

Non QM
QM Loan

Convetional, HomeReady, Home Possible, Home Style (Renovation), FHA, FHA Streamline, FHA 203(K), DPA (Down payment assistance), VA, VA IRRRL, VA Renovation, USDA, Jumbo
ALT Doc Bank Statement, ALT Doc CPA prepared P&L, DSCR 1-4 Unit, Asset Utilization
Property with less than 500 square feet

VA Reno

203k Reno

Homestyle Reno

HUD $100 down

FHA Streamline, FHA 2 or 3, FHA Manual underwrite

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Non QM
QM Loan

Convetional, Home One, HomeReady, Home Possible, FHA, FHA Streamline, DPA (Down payment assistance), VA, VA IRRRL, VA Renovation, USDA, Jumbo
ALT Doc Bank Statement, DSCR 1-4 Unit, ALT Doc 1099, Asset Utilization, Foreign National, ITIN, Non-Prime Jumbo, Second Mortgage, Full doc, No ration/No income check
Condotel, Studios, Property with less than 500 square feet, Other, Co-ops

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Non QM
QM Loan

Convetional, HomeReady, Home Possible, Home Style (Renovation), FHA, FHA Streamline, FHA 203(K), VA, VA IRRRL, USDA
ALT Doc Bank Statement, Foreign National, DSCR 1-4 Unit, Full doc, ALT doc 1099, ALT Doc CPA prepared P&L, Asset Utilization, ITIN

Government Files. 24 Turn time. Manual Underwriting. TBDs

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Non QM
QM Loan
Reverse Mortgage

Convetional, Home One, HomeReady, Home Possible, Home Style (Renovation), FHA, FHA Streamline, FHA 203(K), DPA (Down payment assistance), VA, VA IRRRL, USDA, Jumbo, VA Renovation, HELOC
ALT Doc Bank Statement, ALT doc 1099, DSCR 1-4 Unit, Full doc, Seconf Mortgage, ITIN, HELOAN

No overlays on any government or agency products. FHA and VA loans, fico down to 500. Portfolio DPA product. Manual UW, TBD UW, Non traditional credit ok.

1. FHA / VA down to 500 credit score.

2. No FICO score streamlines

3. Non-traditional credit government and conventional products

4. Manual underwrites – no pricing hit

5. Rehab loans – FHA 203K, HomeStyle, and Choice Renovation

6. Inhouse “”Equo”” FHA DPA product, 100% CLTV repayable second going down to 580 credit score.

7. EdgeAhead – Equity Share Non QM Product FICO down to

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