What’s HOT MONEY!?!

The descriptions below are the EXTREMES. Although we HAVE the ability to lend to these extremes, you have the freedom to take less if you want (of course!)

• 95% Purchase Full Doc @ 680 credit scores
• 90% Purchase Stated-Income @ 740 credit scores
• 70% Purchase & Refi Stated-Income @ 660 credit scores
• 65% of After-Repaired-Value acquisition NO DOC HARD MONEY
• 80% Cash-out, Stated-Income 720 credit scores

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• 95% Conforming & Alt-A 30 FRM (also with Interest-Only Option,)
• 95% Conforming & Alt-A 10 ARM (also with Interest-Only Option,)
• 95% Conforming & Alt-A 7 ARM (also with Interest-Only Option,)
• 95% Conforming & Alt-A 5 ARM (also with Interest-Only Option,)
• 95% Conforming & Alt-A 3 ARM (also with Interest-Only Option,)
• 95% 6 month ARM (also with Interest-Only Option,)
• 95% 1 month ARM (also with Interest-Only Option,)
• 95% Home Equity Lines of Credit (Stand-Alone, 1st lien, or combo 2nd (to avoid PMI,))
• 95% Home Equity Loans (Stand-Alone, 1st lien, or combo 2nd (to avoid PMI,))


Bridge Loans
• 100% CLTV


Rural Loans
• 97% CLTV
Manufactured Homes


Construction Loans

• 100% Acquisition & Construction Financing
• 90% Lot Purchase (without Construction scheduled)
Apartment & Commercial Financing (5+ Units)
• 90% Purchase Full Doc
• 80% Purchase Stated
• 70% Refi Full Doc or Stated
Programs No Longer Available in Current Market ◄ ◄
• 100% Purchase WITHOUT 2 years’ Rental History (also with Interest-Only Option,)
• 90% Purchase, CREDIT-IGNORED, with 10% Equity-Share
• 103% Purchase Loans (finances closing costs without seller contribution,)
• 107% Purchase Loans (finances closing costs AND DEBT PAYDOWNS without seller contribution,)
• 125% - 200% Debt-Consolidation HELOCs and Equity Loans
• Debt-Consolidation, CREDIT-IGNORED, with minm 36% current equity
• 80% Refi with 580+ credit scores
• 65% Refi with 450+ credit scores
• 100% Combo Purchase with 580+ credit scores
• 100% Homeowner refi or purch @ 525 credit scores
• 100% Purchase & Refi Full-Doc @ 560 scores (also with Interest-Only Option,)
• 100% Purchase & Refi Stated Income @ 600 Scores (also with Interest-Only Option,)
• 100% Purchase & Refi Stated Income @ 620 Scores (also with Interest-Only Option,)
• 100% Purchase & Refi Full Doc @ NO SCORES (also with Interest-Only Option,)
• 100% Purchase & Refi JOB-GAP @ 680 scores (also with Interest-Only Option,)
• 100% Purch JOB GAP w/Seller Participation @ 560 scores (also with Interest-Only Option,)
• 100% Purchase & Refi with 1-Day Old Bankruptcy (also with Interest-Only Option,)
• 100% Purchase & Refi Full Doc 1% Pay-Option ARM @ 680 scores (also with Interest-Only Option,)
• 95% Purchase & Refi Stated Income 1% Pay-Option ARM @ 620 scores (also with Interest-Only Option,)
• 95% Purchase JOB GAP @ 620 scores (also with Interest-Only Option)
• 90% Purchase, CREDIT-IGNORED, with 10% Equity-Share
• 100% Purchase & Refi Full Doc 1/5 Pay-Option ARM @ 620 scores (also with Interest-Only Option,)
• 95% Purchase & Refi Stated 1% Pay-Option ARM @ 620 scores (with Interest-Only Option,)
• 100% Purchase & Refi with 660+ credit scores
• 95% Purchase & Refi with 620+ credit scores





We are a Broker, not a lender.

(All programs may be on a case-by-case basis, please check with us to see if you qualify.)