No Ratio Loan

No Ratio product to serve the nation's most diverse and underbanked borrowers.

  • Loan Amount from $100,000 to $2M.

  • Maximum 80% LTV with 720+ Credit.

  • Minimum Credit 660, 65% LTV.

  • Purchase, Rate & Term, Cash Out Refi.

  • Primary Residence and Second Homes.

  • Types: Fixed Rate , FRM 7/6 and 10/6 ARM.

  • Property: SFR, PUD, Townhome, Condominium (Condos in Florida require a Full Condo Review), 2-4 Unit, Modular, Rural, Mixed Use and Log Homes.

  • Maximum 10-Acres.

  • Seller Concession: 6% Maximum.

  • Gift Funds allowed.

  • Required Tradelines: Two (2) reporting for 12+ months or one (1) tradeline reporting for 24+ months, all with activity in the last 90 days.

  • Counseling required.