- Income is said and never verified.  
- Buy, fee and time period, or cash out refinance. Undocumented aliens with ITIN numbers usually are not allowed under this program.  
- Documented skill to repay could also be relevant beneath sure scenarios.  
- US residents, everlasting resident aliens, and international nationals with valid passport and US visa are allowed.  
- $5,000,000 maximum mortgage quantity.  
- 500 minimal credit score score required.  
- Up to 65% loan-to-worth for cash-out refinances (see pointers).  
- SFR, PUDs, condos, townhouses, and 2-four items allowed.  
- Proprietor-consumer, second home or funding properties.  
- Blended-use residential property with commercial affect allowed on case-by-case foundation.  
- $100,000 minimum loan quantity.  
- As much as 70% mortgage-to-value for purchases and price/time period refinances (see guidelines).  
- No reserves required.  
  
 
- All loans require impounding of property taxes and hazard insurance. - Property must be located in the State of California.  
- No prepayment penalty.  
  
 
  
  
To download underwriting guidelines  
  
for our arduous cash mortgage program:  
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