Featured Products

NON-QM

MAJESTIC PRIME
FULL DOC

  • Minimum FICO 660, Maximum 90% LTV, Maximum Loan Amount $3mm
  • 1 year W-2 or 1 year tax returns + 30 days paystubs
  • Asset statements can supplement Income

MAJESTIC PRIME
WVOE

  • Minimum FICO 660, Maximum 80% LTV, Maximum Loan Amount $3mm
  • No 4506-C, Tax Returns, Paystubs or W-2s
  • Asset statements can supplement income

MAJESTIC PRIME
12 OR 24 MONTHS BANK STATEMENTS

  • Minimum FICO 660, Maximum 90% LTV, Maximum Loan Amount $3mm
  • No 4506-C / No Tax Transcripts /No Tax Return
  • Personal, Business or Combined personal/business bank statements
  • Asset statements can supplement income
  • Interest Only is available

MAJESTIC PRIME
P&L ONLY

  • Minimum FICO 660, Maximum 80% LTV, Maximum Loan Amount $3mm
  • No 4506-C / No Tax Transcripts /No Tax Return
  • 1 Year CPA/CTEC/EA prepared P&L Statement
  • Asset statements can supplement income
  • Interest Only is available

MAJESTIC PRIME
ASSET DEPLETION

  • Minimum FICO 700, Maximum 80% LTV, Maximum Loan Amount $3mm
  • Assets are divided by 84 months (7 years)
  • Interest Only Available

MAJESTIC INVEST
FULL DOC

  • Minimum FICO 660, Maximum 80% LTV, Maximum Loan Amount $3,000,000
  • 1 year W-2 or 1 year tax returns + 30 days paystubs
  • Asset statements can supplement income

MAJESTIC INVEST
12 OR 24 MONTHS BANK STATEMENTS

  • Minimum FICO 660, Maximum 80% LTV, Maximum Loan Amount $3mm
  • No 4506-C / No Tax Transcripts /No Tax Return
  • Personal, Business or Combined personal/business bank statements
  • Asset statements can supplement income
  • Interest Only is available

MAJESTIC INVEST
P&L ONLY

  • Minimum FICO 680, Maximum 75% LTV, Maximum Loan Amount $3,000,000
  • No 4506-C / No Tax Transcripts / No Tax Return
  • 1 Year CPA/CTEC/EA prepared P&L statement
  • Asset statements can supplement income
  • Interest only available

JUMBO

JUMBO 40 YEAR INTEREST ONLY

  • ≤ 80% LTV, 680 Min FICO, 50% Max DTI
  • >80% LTV, 700 Min FICO, 50% Max DTI
  • Max Loan Amount $3mm
  • 2nd home & N/O/O Available
  • 2-4 Unit & Condo Available
  • Cash-Out Available
  • 40 year fixed with 10 year interest only payment**

*Interest Only Restrictions:

  •  Purchases
    Owner Occupied MAX LTV 85%
    2nd Home MAX LTV 80%
    N/O/O MAX LTV 75%
  • Rate/Term
    Owner Occupied MAX LTV 85%
    2nd Home MAX LTV 75%
    N/O/O MAX LTV 75%
  • Cash-Out
    Owner Occupied MAX LTV 75%
    2nd Home MAX LTV 75%
    N/O/O MAX LTV 70%

**Loan amortizes into a 30 year fixed after 10 years

DSCR

DSCR

  • Minimum FICO 660
  • Maximum 80% LTV
  • Max Loan Amount $2mm
  • Qualify using rental income from subject property

GOVERNMENT

PORTFOLIO FHA

  • Minimum FICO 580, Maximum 97.75% LTV*, Maximum Loan Amount up to County Loan Limit
  • No FICO Streamline available

*LTV 97.75% for Rate/Term Refinance, LTV 96.5% for Purchase

 

PREMIER FHA

  • Minimum FICO 620, Maximum 97.75% LTV, Maximum Loan Amount up to County Loan Limit
  • LTV 97.75% for Rate/Term, LTV 96.5% for Purchase, LTV 80% for Cash-Out Refinance

 

PORTFOLIO VA

  • Minimum FICO 580, Maximum 100% LTV*, Maximum Loan Amount up to County Loan Limit
  • No FICO Streamline available

*LTV 90% for Cash-Out Refinance, LTV 100% for Purchase and Rate/Term Refinance

 

PREMIER VA

  • Minimum FICO 620, Maximum 100% LTV*, Maximum Loan Amount up to County Loan Limit
  • VA IRRRL Available

*LTV 90% for Cash-Out Refinance, LTV 100% for Purchase and Rate/Term Refinance

 

PORTFOLIO USDA

  • Minimum FICO 580, Maximum 100% LTV, Maximum Loan Amount up to County Loan Limit

 

PREMIER USDA

  • Minimum FICO 640, Maximum 100% LTV, Maximum Loan Amount up to County Loan Limit

CONVENTIONAL

FREDDIE MAC/FANNIE MAE CONFORMING

  • No Overlays
  • Minimum FICO 620, Maximum 97% LTV*, Maximum Loan Amount up to County Loan Limit**

*LTV 97% for Purchase ad Rate/Term Refinance, LTV 80% for Cash Out Refinance
**High Balance Available

DOWN PAYMENT ASSISTANCE

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