- Revenue is acknowledged and not verified.  
- Purchase, fee and term, or cash out refinance. Undocumented aliens with ITIN numbers aren't allowed under this program.  
- Documented capability to repay could also be relevant beneath certain eventualities.  
- US residents, everlasting resident aliens, and overseas nationals with valid passport and US visa are allowed.  
- $5,000,000 maximum mortgage quantity.  
- 500 minimum credit score required.  
- Up to 65% loan-to-worth for money-out refinances (see tips).  
- SFR, PUDs, condos, townhouses, and 2-4 models allowed.  
- Proprietor-user, second residence or investment properties.  
- Blended-use residential property with commercial influence allowed on case-by-case basis.  
- $100,000 minimal loan amount.  
- Up to 70% loan-to-value for purchases and charge/term refinances (see pointers).  
- No reserves required.  
  
 
- All loans require impounding of property taxes and hazard insurance coverage. - Property should be situated within the State of California.  
- No prepayment penalty.  
  
 
  
  
To download underwriting tips  
  
for our onerous cash mortgage program:  
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