Lending Guidelines

Access the latest underwriting guidelines and documentation requirements for our lending products

Latest Update: All guidelines have been updated effective July 1st, 2025. Please review the new requirements carefully.
NON-QM

Alternative Documentation

Effective 07/01/2025

Alternative documentation first lien guidelines for non-qualified mortgage products. Designed for borrowers who don't meet traditional QM standards.

  • Bank Statement & P&L-Only programs – no tax returns needed
  • Use assets for income over 60 months
  • Common-sense credit with in-house exceptions
  • Foreign National programs available
DSCR

Debt Service Coverage Ratio

Effective 07/01/2025

Investment property financing based on debt service coverage ratio analysis. Perfect for real estate investors and rental property acquisitions.

  • DSCR down to No Ratio
  • Short-term rental income allowed
  • First-Time Investor & Foreign National programs
  • No personal income docs required
CES

Closed End Seconds

Effective 07/01/2025

Second lien mortgage guidelines for closed-end home equity loans. Access your home's equity with fixed-rate and also predictable payments.

  • Fixed rates up to $750K
  • CLTVs up to 90%
  • All occupancy types eligible
  • Cash-out, debt consolidation, or home improvements
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