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Loans to $5,000,000 Get Pre-Approved Today!

April 11, 2013



Owner Occupied 1-4 Units

  • 80% LTV to $1,500,000 – Purchase (80-10-10 Available-see Underwriting matrix)
  • 75% LTV to $3,000,000 – Purchase or Rate/Term
  • 70% LTV to $5,000,000 – Purchase or Rate/Term

Non-owner Occupied 1-4 Units

  • 70% LTV to $2,500,000 – Purchase
  • 65% LTV to $2,500,000 – Rate/Term

Second Home

  • 70% LTV to $3,000,000 – Purchase or Rate/Term

No Maximum Number of Financed Properties

  • We do not have a restriction on the number of financed properties a borrower may own

Business Entity Loans

  • Title in the name of: LLC, Corporation, Partnership, Trust

Cross Collateralization

  • Use multiple properties to leverage the loan amount

Delayed Purchase: O/O, N/O/O, 2nd Home and 1-4 Units

  • A loan request for a “delayed purchase”, where the applicant closed a recent purchase transaction, will not be considered a cash-out refinance so long as the new loan application is received within 90 days of the initial close of escrow for the acquisition of the property
  • Final closing statement and verification of all funds required
  • Purchase LTV’s and no cash-out adds

 Departing Residence

  • Rental Income We will use rental income from the borrower’s current owner-occupied property using a rental survey (call for details)

Non-Permanent Resident Alien

  • Need – US Social Security Number, Acceptable US Work Visa, Foreign Credit OK (call for details)

TRUE Portfolio lender

    • 2-4 Units – same LTV’s & pricing for owner and non-owner occupied
    • Qualify at the start rate or fully indexed rate, whichever is greater
    • Average ALL borrowers middle FICOs to calculate the average qualifying FICO
    • Blended ratios acceptable on purchase

Complete a loan application on our website

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