Loan Programs
Elite VOE/P&L/Bank Stmt
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 1/2/3
DSCR1/2/3
Property type
1-4 Units, Non-warrantable Condo, PUD
Loan Amount
$100,000 - $2,000,000
Min DSCR Max LTV Min FICO
0/0.75/1.0 75% 660
Asset
1 mo./2 mo./2 mo. seasoning
100% gift (including reserves)/
10% Min Borrower contribution
Income Doc
None
WMB Light Doc
ND1
Property type
1-4 Units, Condo, PUD
Loan Amount
$300,000 - $13,000,000
Min DSCR Max LTV Min FICO
Not required 70% Not required
Asset
Stated Asset
Employment/Income
Not required
Eligible Entity
Individual, Trust, LLC, Corporation
Reserve
48 months of P+I
WMB No Doc
ND2
Property type
1-4 Units, Non-warrantable 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
36/42/48 months of P+I
