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