Income Documentation
Alt Doc = 24 Month Personal or Business Bank Statements / Self-Employed Only

Maximum Debt-to-Income Ratio
50% Back End

Loan Terms
30-Year Amortized & Term – 7/1 Hybrid ARM or 30-Yr Fixed
All Loans require impounding for Taxes & Insurance

Index & Adjustment Caps
Floored at Start Rate / 1-Year CMT
2% Initial Change Cap / 2% Annual Cap / 6.0% Life Cap

Occupancy
Owner / Non-Owner / 2nd Home

Loan Amounts
$100,000 to $3,000,000
Loan Amounts >$1.0M Require Management Approval
Loan Amounts Greater than $1.5M require Two (2) Appraisals

Property Types
SFR / Condos / Townhouse / 2-4 Units
Condotels – Must be in Resort Area
Non-Warrantable Condos
Rural Properties are available

Let us put our experience and expertise to work for you. Call us (310) 356-6500