ITIN

This flyer below is what our ITIN loans. It compares are different investor criteria. Here are some quick highlights.

• Loan-to-Value (LTV) Options: Multiple tiers available, such as 80% LTV (ALT/80LTV-FULL/85LTV), 75%, and 70%, depending on program type and borrower profile.

• Credit Score Requirements: Minimum FICO scores start at 640 for the WHITE program and 680 for the BLUE program.

• Loan Amounts: Minimum loan amounts are $125,000 (WHITE) and $150,000 (BLUE), with maximums up to $2,500,000 (WHITE) and $1,500,000 (BLUE).

• Income Documentation: No WVOE (Written Verification of Employment) or P&L (Profit & Loss) required for WHITE; DSCR (Debt Service Coverage Ratio) only for BLUE.

• Reserves: Reserve requirements vary, with 6 months typically required.

• Down Payment: Minimum borrower contribution is 5% for primary, 10% for second homes in WHITE; 3% in BLUE.

• Occupancy: Lease allowed up to 120% with proof.

• Geographic Restrictions: Some overlays apply in states like FL, NY, NJ, IL, CT for BLUE.

• Other Features: No mortgage insurance, flexible documentation, and options for both primary and investment properties.

These highlights make the program attractive for borrowers seeking flexible qualification and higher LTVs, especially those who may not meet traditional documentation requirements. For full details, see the attached one-pager.

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Key Highlights:

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