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non-agency/JUMBO Loan Products

NEWPORT

Our most popular – and flexible – jumbo product.

•  40-year fixed-term with interest-only
•  $100k to $2.5 million
•  Up to 95% LTV and NO MI
•  Non-occupant co-borrowers and gift funds allowed
•  Interest-only with 680+ FICO
•  Cash back up to $2.5 million
•  Cash back 90% LTV up to $1.5 million
•  2-years seasoning (short sales & bankruptcy); 3-years seasoning (foreclosures)
•  As low as 600 FICO


VENICE

Perfect for self-employed borrowers, and those with a foreclosure, short sale, bankruptcy or loan modification within two years.

•  Interest-only options
•  Foreclosure/BK/short sale/loan modification with 1-year seasoning
•  Foreign Nationals allowed
•  Gift funds permitted for investment\Foreign Nationals
•  Non-warrantable condos
•  Asset depletion allowed
•  Unlimited cash out subject to maximum loan value
•  Debt to income ratio up to 50%, subject to residual income
•  Self-employed bank statement qualification - up to 6 to 12 months


Sunset investor solutions

Grow your wealth, with no income qualification or reserve required.

•  Loans to $2 million
•  Up to 80% LTV
•  No 4506T
•  30-year, 15-year, 5/1 ARM and 7/1 ARM with interest only
•  Non-Permanent Resident and Foreign Nationals allowed
•  Foreign Nationals – No ITIN or SSN required
•  VOD allowed
•  1 to 4 units
•  Unlimited Cash-Out
•  No ratio/No reserve