Residential Loan Programs | Focus Capital

Residential Loan Programs

DREAMER PROGRAM

Foreign national
No ITIN needed
No green card needed
No work visa required
All loans NIV (No Income Stated or Verified)
No US credit or FICO required
Max LTV 70% – purchase/rate & term refinance
Investment non-owner occupied

STUDENT BAILOUT

Refinance student loan debt in mortgage
Reduce interest rate
Lower the amount of payments
Qualify for tax incentives

APEX

> $5,000,000
65% max LTV
Alternative docs
FICOs down to 600 – OK
No liquid cash reserve needed

EASYCONDO

Non-warrantable condos – OK
No condos cert or HOA questionnaires
Owner occupied or non-owner occupied
Condo conversions – OK
Loans from $50,000 – $15,000,000

SEP (SELF-EMPLOYED)

Alternative doc: VOE only, 1099 only, P&L only (no bank statements & 1 month personal bank statement)
Traditional alt doc: 12 or 24 months personal or business bank statements
Limited doc: 2-3 months personal or business bank statements
DTIs up to 55%
LTVs up to 95%
Rates as low as 4.75%
FICOs down to 500 – OK
Foreclosure bailout – OK
No liquid cash reserve needed (up to 90% LTV)

INVESTOR-X

Non-owner occupied SFR, condo, 2-4 unit properties
No income proof needed
All loans are N.I.V (No Income Verified)
LTV up to 80%
No DTI ratios
No DSCR calculated on residential collateral
Loan amounts from $50,000 – $5,000,000
Interest-only option available
Foreign national – OK
100% gift funds – OK

NO BS

No Bank Statement loans
P&L and CPA letter-only program
VOE only program
1099 only program
Asset depletion program
1 month bank statement program

Mortgage Lending Solutions For All

Faster. Easier. More Personal.