Shop for Alternative Documentation Loans

Light documentation for business owners or employees Self-Employed for the last 2 years: Last year taxes are required or last 24 months bank statements averaged. Employees: No Taxes, only w2’s and paystubs for Primary Residence. 3, 5, 7 and 10/1 ARM’s, 15 and 30 year fixed. Owner-Occupied, 2nd homes and Investment properties, SFR’s and 1-4’s. LTV up to 80% for a purchase, Gift funds allowed. 70% rate and term or cash-out refinance. Minimum FICO 620. Available: Nationwide. Fees: Negotiable. Private money/private party loans for owner and non-owner occupied properties. Commercial and Residential Loans for purchase or refinance up to 80% LTV. Terms: 1, 2, 3, 4 or 5 year loans amortized for 30 or 40 years. NO minimum FICO score required. Choose a pre-pay period. 10 day close of escrow in CA. Investor Loans, REO financing, Interest only available. Any amount of properties allowed. Interest reserve options. Unlimited cash out. Bankruptcy/Foreclosure rescue OK. No title seasoning required. Available: Nationwide. Fees: Negotiable Requirements and Documentation: Complete the loan application, leaving the income section blank, initial, sign, date and return. Provide copies of Driver’s License and Social Security card. Send copies of the Bank Statements (Last 2 or 12 for Bank Statement program), Mortgage Coupon, Insurance Declaration page and Purchase Agreement, if purchase. We will provide a Loan Marketing Agreement and Escrow Instructions, to be fully executed and returned. Please scan in pdf format, label in numerical order and email all documents. ******************************************************************************************************************************************************* 1 year taxes or 12 Months Bank Statements: Last 12 months Bank or Asset statements showing 6-12 months of mortgage payment reserves. Credit will be pulled at the Bank and must be derogatory free last 12 Months. No bankruptcies, short sales, deed-in-lieu or loan mods on credit history in the past 5 years allowed, foreclosures (7 years). ************************************************************************************************** Lender Fees: Fees vary by institution, all loans have separate non-refundable cost of appraisal and credit report +/- $650. ************************************************************************************************* The information furnished here is preliminary. This is not an offer nor a commitment to lend and shall not be construed as such. Loan products and loan conditions may be changed without notice. All private money loans offered in accordance and compliance with applicable regulations. Please request licensing matrix for compliance. Stated loans are provided to, and conform with applicable state laws regarding commercial lending transactions for business purposes. All loan transactions are subject to the submission of a formal application, appraisal, underwriting, and written lender approval. Loan approval terms may vary by asset type and borrower credit worthiness. Insurance acceptable to the lender on subject property is required to be maintained on the subject property for the duration of the loan.