Products & Programs

DSCR

Empower

• 700 minimum FICO 
• Up to 80% LTV*
• Loan amount up to $3mm
• 30 year fixed, 5/6m ARM, 7/6m ARM
• Cash out up to 75% LTV**
• Cash out proceeds may be used for reserves
• DSCR as low as .80***
• Eligible for non-permanent residents (Foreign National DSCR is available under Foreign National Program)

Elevate

• 680 minimum FICO 
• Up to 80% LTV*
• Loan amount up to $3mm
• 30 year fixed, 5/6m ARM, 7/6m ARM
• Cash out up to 75% LTV**
• Cash out proceeds may be used for reserves
• DSCR as low as .80***
• Eligible for non-permanent residents (Foreign National DSCR is available under Foreign National Program)

Edge

• 640 minimum FICO
• Up to 80% LTV*
• Loan amount up to $3.5mm***
• 30 year fixed, 5/6m ARM, 7/6m ARM
• Cash out up to 75% LTV**
• Cash out proceeds may be used for reserves
• DSCR as low as .75***
• Eligible for non-permanent residents (Foreign National DSCR is available under Foreign National Program)

*20% cash due from borrower

**25% cash due from borrower

***additional restrictions apply

Non-QM

Empower - Full Doc

• 660 minimum FICO
• Loan amount up to $3mm
• Up to 85% LTV*
• Cash out up to 80% LTV**
• 30 or 40 year fixed, 5/6m ARM, 7/6m ARM

Empower Ease - Alt Doc

• 660 minimum FICO
• Loan amount up to $3mm
• Up to 85% LTV*
• Cash out up to 80% LTV**
• 12 or 24 month bank statements and P&L Only

Elevate - Full Doc

• 660 minimum FICO
• Loan amount up to $3mm
• Up to 90% LTV***
• Cash out up to 80% LTV**
• 30 or 40 year fixed, 5/6m ARM, 7/6m ARM

Elevate - Alt Doc

• 640 minimum FICO
• Loan amount up to $3mm
• Up to 90% LTV***
• Cash out up to 80% LTV**
• 12 or 24 month bank statements

Edge - Full Doc

• 660 minimum FICO
• Loan amount up to $4mm****
• Up to 90% LTV***
• Cash out up to 80% LTV**
• 30 or 40 year fixed, 5/6m ARM, 7/6m ARM

Edge - Alt Doc

• 640 minimum FICO
• Loan amount up to $4mm****
• Up to 90% LTV***
• Cash out up to 80% LTV**
• 12 or 24 month bank statements, 1099, P&L only

*15% cash due from borrower

**20% cash due from borrower

***10% cash due from borrower

****additional restrictions may apply