· Personal Bank statement income calculation will have no Expense Factor using 100% of deposits

· Business Bank statement income we offer the lowest in-house Expense Factors in this arena starting at 15%! No CPA needed!

· 90% LTV allowed for Full/Alt Doc with 740 FICO on Primary

· Income Desk is a great tool for those who need help calculating bank statement income. This Team is run by UW’s and not only calculate your exact income, but conditionally approve it as well. This can be done on TBD’s as well.

· We now offer 2nd mortgages! This product can be used for Cash out up to 90% CLTV on Primary, and 85% CLTV for Investment properties! Combo 1st and 2nd on purchase transactions as well and easily reduces the payment when looking to do over 80% CLTV. Bank statements, 1099, tax returns allowed!

· We now offer NON-QM HELOC’s! This product can be used for Cash out up to 90% CLTV on Primary, and 85% CLTV for Investment properties! Combo 1st and 2nd on purchase transactions as well and easily reduces the payment when looking to do over 80% CLTV. Bank Statements allowed! Personal or Business.

· Ch. 13 BK is based on Filing date, not discharge

· BK Dismissal is ok

· FC and Ch. 7 BK 1 year seasoning

· Max Cash-Out (cash in hand) $1,000,000 ($2m on exception) and unlimited with Free and Clear or if loan is 50% LTV or less.

· Appraisal transfers ok if ordered through an AMC initially

· Seller concessions up to 6% allowed on LTV’s 80% or less, and 3% max for LTV 80.01 – 90%