Loan Programs

There are many loan products designed to meet the borrowers individual criteria. Most of these products fall into a few basic loan types.

	100% Business Bank Statements GONE FOR NOW We count 100% of Business Bank Statements as income.
	NINJA GONE FOR NOW in most cases No Income, No Job, No Assets loan.
	One -Time -Construction Loan Acquisition of Land, Development then 30 yr term all in one step!
	Option Arm Loan FOR ONLY THE SAVVIEST INVESTORS Four payment choices. Interest only, Minimum amount due payment, 15yr fixed payment, and 30yr fixed payment.
	100% CLTV Non-Owner Occupied GONE FOR NOW, down to 90% Gives you 100% of the value of your investment homes.

Which Program is Best for Me?

Here are a few things to keep in mind when selecting a loan program.

100% Business Bank Statements
Advantages All your deposits for your business is counted as your income toward the servicing of your loan.
NINJA
Advantages No Income, No Job, and No Assets.	Disadvantages Slightly higher interest rates and credit score driven.
One -Time -Construction Loan
Advantages Save on fees, one time close. Acquire land, build your dream home, select your 30yr permanent loan.
Option Arm Loan
Advantages This loan gives you the advantage of picking a payment each month that fits your financial needs. A fully amortized or accelerated payment when you have the extra funds and smaller deferred interest payments calculated at 1% rate when things get a little tight.
100% CLTV Non-Owner Occupied
Advantages One loan or a Combo with no MI, 2,3,5yr ARM, 15yr or 30yr fixed rate program, Stated or Full-Doc, 1-4 units residential, purchase or refinance. Stated, Light-Doc, or No-Doc.

Select the application form you like best