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EVOE/EPNL/EBS

MAX DTI 49.99%

EVOE

VOE Only

12 mos. 
Personal/Business
Bank Statement

EBS

EPNL

CPA Signed P&L Only

1 month Asset Seasoning

1-4 Units, Condo, PUD

MIN FICO 660

MAX LTV 80%

100% Gift Allowed (Including Reserves)

$150,000 - $2,500,000

Loan Programs

Elite VOE/P&L/Bank Stmt

Program Code

EVOE / EPNL / EBS

Property type

1-4 Units, Condo, PUD

Loan Amount

$150,000 - $2,500,000

Max DTI         Max LTV        Min FICO

49.99%             80%               660

Asset

1 mo. seasoning

100% gift (including reserves)

Income Doc

VOE only OR 

CPA signed P&L only OR

12 mo. personal/business bank stmt.

DSCR 1

Program Code

DSCR1

Property type

1-4 Units, Non-warrantable Condo, PUD

Loan Amount

$150,000 - $2,000,000

Min DSCR       Max LTV        Min FICO

   N/A              75%               660

Asset

1 mo. seasoning

100% gift (including reserves)

Income Doc

None

DSCR 2

Program Code

DSCR2

Property type

1-4 Units, Non-warrantable Condo, PUD

Loan Amount

$150,000 - $2,000,000

Min DSCR       Max LTV        Min FICO

    0.75              75%               660

Asset

1 mo. seasoning

100% gift (including reserves)

Income Doc

None

WMB No Doc

Program Code

ND2

Property type

1-4 Units, Condo, PUD

Loan Amount

$100,000 - $5,000,000

Min DSCR       Max LTV        Min FICO

Not required     70%           Not required

Asset

Stated Asset

Employment/Income

Not required

Eligible Entity

LLC, Corporation

Reserve

36 or 48 months of P+I

Fists in Solidarity

about us

One of the largest private lenders in California, Wholesale Mortgage Bankers, was established in 2012 and currently originates over $100,000,000 in loans monthly.... Read More
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