Aegis Funding

q 80/20 or 100% Loanso Private VOR OK for scores above 580o 580 full doc & 600 1x30o 620 Stated(SE or Wage Earner(WE requires 2 months reserves)) o 12 months bank statementso One Day out of Chapter 7 with 620+ scoreo All Collections, Charge-offs & Child Support Ignore unless affects titleo Rent Free OK with 620+ with minimum credit meto 6% seller concessionsq MIDDLE OF THREE, LOWER OF TWO OR ONE SCOREq No Trade line requirements if <90% CLTV q All collections, charge offs & child Support ignored unless affects titleq CONSUMER CREDIT COUNSELING IGNOREDq NO SCORE CO-BORROWER, OK!!!q 12 MTHS BANK STATEMENT PROGRAM WITH 1 YEAR HISTORY OF EMPLOYMENTq DBA BANK STATEMENTS USE 75% OF Depositsq 85% LTV 500 MID SCORE & 1X30 ON MORTGAGEq STATED PROGRAM DOWN TO A 500 MID SCOREq 1099 PROGRAM - NO SCHEDULE C – TREATED LIKE WAGE EARNER(restrictions apply)q 640 + OO – 6 MONTHS TITLE SEASONING (w/ 0 x 30 12 mth rental or mortgage history)q 6 mths SEASONING ON CONSTR TO PERM (must have owned land minimum of 6 mths)q Rent Free OK!! (>620 score w/minimum credit met, <620 score w/minimum credit met and <90% LTV)q 95% LTV 600+ Stated Self Employed one year Alt Doc 12 months bank statements q 90% NOO – 600 MID SCORE – Full Doc - 95% CLTV (CAN OWN UP TO 10 PROPERTIES)q 6 mths SEASONING ON CONSTR TO PERM (must have owned land minimum of 6 mths)q NO SELLER SEASONING REQUIREMENTSq Seller Held Secondso 80% LTV OR LESS ON ALL PROGRAMS = 100% CLTV (except NOO)o 95% CLTV ON ALL PROGRAMS FOCUS CORE PRODUCTS A-B Gradesq DOWN PAYMENT – SOURCED ONLY (unless NOO or C credit Grade)q APPRAISED VALUE USED ON CONSTRUCTION IF LAND OWNED 6 MTHSq ESCROW LETTERS OK…FROM REAL ESTATE AGENTS OR ATTORNEYS FOR PROOF OF EARNEST MONEYq 40 Year Products – 560 Minimum Score-40/30 Fixed & 2/38 & 3/37!q Interest Only Available down to 560 Credit Score (see matrix)q 6% SELLER CONCESSIONS towards any closing costs q MOST ADVANCED WEB BASED UNDERWRITING SYSTEM AVAILABLE….ABLE*All programs and guidelines are subject to change at any time. FOR YOUR NEXT LOAN, PLEASE CALL:Danny Michael404-797-1226 Cell678-379-4125 FaxDaniel.Michael@Aegismtg.comWe want your business!!! Call us today and let us prove it!!!!