| Close More Business with………… |
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| 100% FULL DOC |
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95% One Loan |
| 580 Score (0x30) / 600 Score (1x30) [$500K] |
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565 Credit Score |
| 620 Score (0x30) / 660 Score (1x30) [$650K] |
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BK/3yrs FC/7yrs |
| 3 Tradelines (open or closed) , 2 yr. Credit history |
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Max 45% DTI |
| $1,500 High, 1 Reported in Last 6 Months |
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Up to 300K Loan Amount |
| BK 2 yrs; FC 3 yrs |
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| Interest Only: 600 Score 80/20; 620 Score 100% |
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100% Stated |
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640 Credit Score |
| 100% SCORE MORE FULL DOC |
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BK/3yrs FC/7yrs |
| 600 Score 100% CLTV -- 1 Day Out of BK -- 13 or 7 |
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640 Stated Wage-Earner |
| 580 Score 90% LTV / Max 2x30 rolling mtg |
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660 First Time H/B, Self-Emp. |
| 600 Score: No mtg/rent rating/ |
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| ignore consumer credit |
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95% Non-Owner Full-Doc |
| 1st time H/B -- No VOR needed! |
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660 Credit Score |
| Tradelines (open or closed) |
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Purchase Only |
| $2,500 High opened > 24 mos |
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Max 500K Loan Amount |
| 2 additional accts opened > 12 mos |
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3 months verified PITI |
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| $2,500 High plus 4 additional – any open date |
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85% Non-Owner Stated |
| Interest Only: 640 Score |
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680 Credit Score |
| Max loan amt $650K |
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6 months verified PITI |
| Ignore All Consumer Credit and Charge Offs!!! |
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15% Down Sourced & Seasoned |
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| 100% SCORE MORE STATED |
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Credit Scores of Zero |
| 640 Credit Score |
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80% LTV |
| VOR: 2x30 ; Mtg not on c/report: 2x30 |
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| BK 1yr ; FC 3yrs |
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**Can Use 65% of all 1099 Income!!!! |
| Max loan amt $500K |
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Jumbo Loans to $1,000,000 |
| 1st Time Homebuyer -- 660 Score |
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Interest Only Down to 550 Score |
| Ignore All Consumer Credit and Charge Offs!!! |
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No Voicemail -- Talk to your Underwriter!! |
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**24 Hour Make Sense Underwriting** |
| 90% Down to 500 Credit Score |
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No MI on All Products |
| MTG 1x30 last 24/12 months or better |
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| Ignore all Consumer Credit!!!! Term -- 2/28 |
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For a Handwritten Pre-Qual: |
| Pay off Debt or Receive 10K Cash Out |
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Fax 1003 and Credit to 866-207-5004 |
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Use Quick-Qual as Cover Page |
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