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PRESTO! HERE ARE YOUR RESULTS:
Click on the program name icon to learn more about a specific program:
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PROGRAM NAME
MINIMUM DOWN PAYMENT
IDEAL CANDIDATE
ELIGIBLE PROPERTY TYPES
INCOME QUALIFICATION METHOD
MAX LOAN SIZE
MINIMUM DOWN PAYMENT
IDEAL CANDIDATE
PROGRAM NAME
ELIGIBLE PROPERTY TYPES
INCOME QUALIFICATION METHOD
MAX LOAN SIZE
15% - 30%
Asset Based Home loans are designed especially for people who live off the interest from their liquid asset portfolio. The larger the savings, the more income can be calculated from these assets.
The are several different approaches to this type of program and we offer 4. Click here to learn more about this type of loan approach.
Unlike a Conventional Home loan, there is no need to create structured withdrawals from your liquid accounts (and potential tax penalties) just to qualify for a mortgage. Keep your funds in their respective accounts and keep your financial relationships intact.
Single Family
Townhome / Villa
2-4 Unit Multi-Family
Condos
(Warrantable and Non-Warrantable)
Condotels on a case-by-case basis
Income determined by analysis of ordinary business income in conjunction with tax returns and other supporting documentation.
$100,000 - $3MM
Single Family
Townhome / Villa
2-4 Unit Multi-Family
Condos
(Warrantable and Non-Warrantable)
Condotels
Specialty properties / waterfront / large acreage lots, etc.
Full Documentation.
Income determined by analysis of ordinary business income in conjunction with tax returns and other supporting documentation.
$100,000 - $3MM
20% - 30%
Our own Portfolio Program. Designed for a wide variety of scenarios. Flexible with credit scores., income calculation, property types, self-employed.
In this case, this program offers an aggressive asset-to-income calculation model, along with extremely friendly terms.
This program has a significantly more aggressive asset-to-income calculation formula than a traditional home loan and stands in a class all it's own.
Unlike a Conventional Home loan, there is no need to create structured withdrawals from your liquid accounts (and potential tax penalties) just to qualify for a mortgage. Keep your funds in their respective accounts and keep your financial relationships intact.
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Single Family
Townhome / Villa
2-4 Unit Multi-Family
Condos
(Warrantable and Non-Warrantable)
Condotels on a case-by-case basis
Alternative Documentation.
Income determined by analysis of liquid assets.
Our FLEX Home Loan with Asset-Based Income is designed for those living off of their liquid assets and offers our most aggressive asset-to-income calculation model. Flexible with credit scores., income calculation, property types, self-employed, extenuating circumstances, etc.
Unlike a Conventional Home loan, there is no need to create structured withdrawals from your liquid accounts (and potential tax penalties) just to qualify for a mortgage. Keep your funds in their respective accounts and keep your financial relationships intact.
$100,000 - $3MM
15%
ELIGIBLE PROPERTY TYPES
INCOME QUALIFICATION METHOD
IDEAL CANDIDATE
MAX LOAN SIZE
MINIMUM DOWN PAYMENT
PROGRAM NAME
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Single Family
Townhome / Villa
2-4 Unit Multi-Family
Condos
(Warrantable and Non-Warrantable)
Condotels on a case-by-case basis
Alternative Documentation.
Income determined by a comparison of the liquid assets remaining after the funding of the new loan vs the new loan amount.
Our FLEX Home Loan with Asset-Matching is designed for those living off of their liquid assets and offers a unique approach. Instead of calculating income from your liquid assets, we simply check to make sure that you have liquid assets left over after the new loan funds ≥ the amount of the new loan. Additionally, this loan is Flexible with property types, certain extenuating circumstances, etc.
Unlike a Conventional Home loan, there is no need to create structured withdrawals from your liquid accounts (and potential tax penalties) just to qualify for a mortgage. Keep your funds in their respective accounts and keep your financial relationships intact.
$100,000 - $3MM
15%
MINIMUM DOWN PAYMENT
IDEAL CANDIDATE
PROGRAM NAME
ELIGIBLE PROPERTY TYPES
INCOME QUALIFICATION METHOD
MAX LOAN SIZE
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MINIMUM DOWN PAYMENT
ELIGIBLE PROPERTY TYPES
INCOME QUALIFICATION METHOD
IDEAL CANDIDATE
PROGRAM NAME
MAX LOAN SIZE
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Single Family
Townhome / Villa
2-4 Unit Multi-Family
Condos
(Warrantable only)
Full Documentation.
Based on tax returns, supporting verification, assets
Proof of scheduled retirement account withdrawals, pension awards, other account withdrawals.
3%
Average homebuyers with average needs.
MINIMUM DOWN PAYMENT
IDEAL CANDIDATE
PROGRAM NAME
~50%
(Purchase transactions)
Age-dependent
We offer both the government-insured HECM Reverse program, as well as several proprietary Reverse programs. The HECM is designed for seniors 62 years of age or older and the Proprietary reverse programs extend eligibility to borrowers as low as 55 years of age.
Borrowers do not have to make any forward monthly payments.
Borrowers are required to self-manage their own property taxes, property insurance and any applicable association dues.
ELIGIBLE PROPERTY TYPES
INCOME QUALIFICATION METHOD
MAX LOAN SIZE
Single Family
Townhome / Villa
2-4 Unit Multi-Family
Condos
(HUD-approved only)
Full Documentation.
Minimal, residual income basis, based on tax returns, supporting verification, assets
HECM Reverse
$100,000 - $1,089,300
Proprietary Reverse
$4MM
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CLICK TO CALL A HECM REVERSE MORTGAGE LOAN ORIGINATOR
$100,000 - $766,550*
* for single family homes. Higher loan amounts for certain regions, and for multi-family homes.
See our Conventional Loan resource page for most current info.
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