Voltage Series

Our Voltage Series is a full suite of Non-QM products, with flexibility on qualifications for common sense loans. We administer all guideline exceptions in-house for a smooth process and greater autonomy.
Full Documentation
Full Documentation
  • Self-Employed Borrowers may provide 1 year's tax returns
  • Asset Depletion allowed as supplemental income
  • LTVs up to 90 on purchases and 80 on cash-out refinances
  • DTI up to 55
  • FICO down to 600
  • Loan Amounts up to $4MM
  • No limit on cash-out up to 75 LTV, $500k above
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Bank Statement
Bank Statement
  • Utilize 12 or 24 Months of Bank Statements
  • LTVs up to 90 on purchases and 80 on cash-out refinances
  • DTI up to 50
  • FICO down to 600
  • Loan Amounts up to $4MM
  • No limit on cash-out up to 75 LTV, $500k above
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Investor Cash Flow DSCR
Investor Cash Flow DSCR
  • Qualify on Asset Qualification or DSCR
  • LTVs up to 85 on purchases and 80 on refinances
  • DSCRs down to .75 allowed on DSCR
  • Second Homes and Investment Properties
  • FICO down to 620
  • Loan Amounts up to $3.5MM
  • No US credit required
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1099 Only
1099 Only
  • Utilize 1 or 2 years of 1099s
  • LTVs up to 90 on purchases and 80 on cash-out refinances
  • DTI up to 50
  • FICO down to 600
  • Primary Residences, Second Homes, and Investment Properties
  • Loan Amounts up to $4MM
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P&L Only
P&L Only
  • Income calculated based on net income from third-party prepared P&L statement
  • Max 80 LTV on purchase and 70 on cash-out refinances
  • DTI up to 50
  • FICO down to 680
  • Loan amounts up to $2MM
  • Primary Residences, Second Homes, and Investment Properties
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WVOE Only
WVOE Only
  • Income calculated based on a Written Verification of Employment
  • Max 80 LTV on purchase and 70 on cash-out refinances
  • DTI up to 50
  • FICO down to 680
  • Loan amounts up to $2MM
  • Primary Residences, Second Homes, and Investment Properties
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Asset Qualifier
Asset Qualifier
  • Qualification based on assets only, no qualifying income or DTI calculated
  • LTVs up to 90 on purchases and 80 on cash-out refinances
  • Three calculation methods
  • FICO down to 620
  • Primary Residences, Second Homes, and Investment Properties
  • Loan Amounts up to $3MM
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Foreign National
Foreign National
  • Qualification based on subject property's debt service coverage ratio (DSCR) only
  • LTVs up to 75 on purchases and 65 on cash-out refinances
  • DSCRs down to .75
  • FICO down to 620
  • Second Homes and Investment Properties
  • Loan Amounts up to 3MM
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Agency AUS
Agency AUS
  • LTV/CLTVs up to 90
  • DTI up to 50
  • FICO down to 640
  • Loan Amounts up to $2MM
  • AUS Underwriting with minimal overlays
  • Mortgage Insurance not required
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Voltage Series

Our Voltage Series is a full suite of Non-QM products, with flexibility on qualifications for common sense loans. We administer all guideline exceptions in-house for a smooth process and greater autonomy.

Full Documentation

Solutions for agency and jumbo fallout

Full Documentation

Full Documentation

  • Self-Employed Borrowers may provide 1 year's tax returns
  • Asset Depletion allowed as supplemental income
  • LTVs up to 90 on purchases and 80 on cash-out refinances
  • DTI up to 55
  • FICO down to 600
  • Loan Amounts up to $4MM
  • No limit on cash-out up to 75 LTV, $500k above
Download Product Matrix Learn More
Bank Statement

Solutions for self-employed borrowers & small business owners

Bank Statement

Bank Statement

  • Utilize 12 or 24 Months of Bank Statements
  • LTVs up to 90 on purchases and 80 on cash-out refinances
  • DTI up to 50
  • FICO down to 600
  • Loan Amounts up to $4MM
  • No limit on cash-out up to 75 LTV, $500k above
Download Product Matrix Learn More
Investor Cash Flow DSCR

Solutions for real estate investors

Investor Cash Flow DSCR

Investor Cash Flow DSCR

  • Qualify on Asset Qualification or DSCR
  • LTVs up to 85 on purchases and 80 on refinances
  • DSCRs down to .75 allowed on DSCR
  • Second Homes and Investment Properties
  • FICO down to 620
  • Loan Amounts up to $3.5MM
  • No US credit required
Download Product Matrix Learn More
1099 Only

Solutions for independent contractor borrowers

1099 Only

1099 Only

  • Utilize 1 or 2 years of 1099s
  • LTVs up to 90 on purchases and 80 on cash-out refinances
  • DTI up to 50
  • FICO down to 600
  • Primary Residences, Second Homes, and Investment Properties
  • Loan Amounts up to $4MM
Download Product Matrix Learn More
P&L Only

Alternative documentation options for self-employed borrowers

P&L Only

P&L Only

  • Income calculated based on net income from third-party prepared P&L statement
  • Max 80 LTV on purchase and 70 on cash-out refinances
  • DTI up to 50
  • FICO down to 680
  • Loan amounts up to $2MM
  • Primary Residences, Second Homes, and Investment Properties
Download Product Matrix Learn More
WVOE Only

Streamlined solutions for W2 employees for agency, jumbo & government fallout

WVOE Only

WVOE Only

  • Income calculated based on a Written Verification of Employment
  • Max 80 LTV on purchase and 70 on cash-out refinances
  • DTI up to 50
  • FICO down to 680
  • Loan amounts up to $2MM
  • Primary Residences, Second Homes, and Investment Properties
Download Product Matrix Learn More
Asset Qualifier

Solutions for high net worth borrowers with significant documented financial assets

Asset Qualifier

Asset Qualifier

  • Qualification based on assets only, no qualifying income or DTI calculated
  • LTVs up to 90 on purchases and 80 on cash-out refinances
  • Three calculation methods
  • FICO down to 620
  • Primary Residences, Second Homes, and Investment Properties
  • Loan Amounts up to $3MM
Download Product Matrix Learn More
Foreign National

Solutions for non-us citizen borrowers living overseas

Foreign National

Foreign National

  • Qualification based on subject property's debt service coverage ratio (DSCR) only
  • LTVs up to 75 on purchases and 65 on cash-out refinances
  • DSCRs down to .75
  • FICO down to 620
  • Second Homes and Investment Properties
  • Loan Amounts up to 3MM
Download Product Matrix Learn More
Agency AUS

Streamlined fixed-rate loans up to $2MM. AUS underwriting with minimal overlays

Agency AUS

Agency AUS

  • LTV/CLTVs up to 90
  • DTI up to 50
  • FICO down to 640
  • Loan Amounts up to $2MM
  • AUS Underwriting with minimal overlays
  • Mortgage Insurance not required
Download Product Matrix Learn More

High Voltage Series

For premier borrowers looking to qualify using full doc, bank statements, or DSCR, our High Voltage Series delivers industry-leading pricing benefits.
Full Documentation
Full Documentation
  • Loan amounts up to $3MM
  • Up to 85 LTV on Purchases, 80 LTV on Rate/Term Refinances, and 75 LTV on Cash Out Refinances
  • DTI up to 50 allowed
  • Credit scores down to 660
  • Primary Residences, Second Homes, and Investment Properties
  • Up to $1MM cash in hand
  • Interest only products available
Download Product Matrix Learn More
Bank Statement
Bank Statement
  • Loan amounts up to $3MM
  • Up to 85 LTV on Purchases, 80 LTV on Rate/Term Refinances, and 75 LTV on Cash Out Refinances
  • DTI up to 50 allowed
  • Credit scores down to 660
  • Primary Residences, Second Homes, and Investment Properties
  • 12 or 24 months of personal or business bank statements may be relied upon for underwriting
  • Up to $1MM cash in hand
  • Interest only products available
Download Product Matrix Learn More
Investor Cash Flow DSCR
Investor Cash Flow DSCR
  • Qualify based on the subject property’s debt service coverage ratio (DSCR) only
  • Loan amounts up to $2MM
  • Up to 80 LTV on Purchases, 75 LTV on Rate/Term Refinances, and 70 LTV on Cash Out Refinances
  • DSCRs down to 1.0
  • Credit scores down to 680 on Purchases or Rate/Term refinances and 720 on Cash Out Refinances
  • Eligible on investment properties
Download Product Matrix Learn More

High Voltage Series

For premier borrowers looking to qualify using full doc, bank statements, or DSCR, our High Voltage Series delivers industry-leading pricing benefits.

Full Documentation

Enhanced Pricing for Just Out of the Box Loans

Full Documentation

Full Documentation

  • Loan amounts up to $3MM
  • Up to 85 LTV on Purchases, 80 LTV on Rate/Term Refinances, and 75 LTV on Cash Out Refinances
  • DTI up to 50 allowed
  • Credit scores down to 660
  • Primary Residences, Second Homes, and Investment Properties
  • Up to $1MM cash in hand
  • Interest only products available
Download Product Matrix Learn More
Bank Statement

Well-priced solutions for self-employed borrowers & small business owners

Bank Statement

Bank Statement

  • Loan amounts up to $3MM
  • Up to 85 LTV on Purchases, 80 LTV on Rate/Term Refinances, and 75 LTV on Cash Out Refinances
  • DTI up to 50 allowed
  • Credit scores down to 660
  • Primary Residences, Second Homes, and Investment Properties
  • 12 or 24 months of personal or business bank statements may be relied upon for underwriting
  • Up to $1MM cash in hand
  • Interest only products available
Download Product Matrix Learn More
Investor Cash Flow DSCR

Solutions for real estate investors

Investor Cash Flow DSCR

Investor Cash Flow DSCR

  • Qualify based on the subject property’s debt service coverage ratio (DSCR) only
  • Loan amounts up to $2MM
  • Up to 80 LTV on Purchases, 75 LTV on Rate/Term Refinances, and 70 LTV on Cash Out Refinances
  • DSCRs down to 1.0
  • Credit scores down to 680 on Purchases or Rate/Term refinances and 720 on Cash Out Refinances
  • Eligible on investment properties
Download Product Matrix Learn More