Expanded Prime:

• Full Doc

• Asset Utilization:

  • ​This product is for high-net-worth borrowers who prefer to use their assets for qualification rather than using their income to qualify for the mortgage.

  • Asset Utilization attributes qualifying income to a borrower by utilizing the liquid assets of the borrower over a 60-month period.

  • Utilization of verified liquid assets over a 60-month period is done to ensure that income attributed to a borrower is stable and is reasonably expected to continue.

• Self-Employed/1099 Income

  • 12-24 months statements​

• LTVs up to 90%

• Non-warrantable condo

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Non-Prime:

• Full Doc

• Alternative Income:​

  • 1-Year tax return and P&L

  • 12-24 months bank statements

  • 1-, 2-year 1099 income

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Clean Slate:

• This product is for borrowers seeking flexible financing options. The borrower may have had a credit event or other isolated lapse in their credit performance that may precluded qualification for another program.

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