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Near Prime Foreign National
Max LTV OO 95% NOO 85% 75%
FICO 620+ N/A
Loam Amount
Minimum  $                                           100,000  $                                           100,000
Maximum  $                                       3,000,000  $                                       1,500,000
Debt Ratios
Max DTI 50% 50%/N/A
Enhanced DTI (to 50%) N/A
Enhanced DTI (to 55%) √ (Not allowed for NOO) N/A
Income Documentation
Full Doc
Asset Depletion
24 Month Personal Statements Not Allowed
24 Month Business Statements Not Allowed
1 Year Alt Doc Not Allowed
12 Mo Personal Bank Statements Not Allowed
Product Type
5/1 ARM
7/1 ARM
30 Year Fixed
Interest Only
Mortgage History 1x30x12 1x30x12
Bankruptcy Seasoning 36 Months 24 months
FC/SS/DIL Seasoning 36 Months 24 months
Residual Income  $                                         2,500.00 N/A
Marketing Points Owner-occupied borrowers at least 3+ years past their housing default. LTV’s up to 95%.
Best for:
• 3+ years removed from housing default
• Income documented outside of QM – Personal and Business Bank Statements OK
• Fixed, Arm and Interest Only options available
Borrowers from other parts of the world looking to buy or refinance in the U.S.
Includes 2nd Home & Investment Property Occupancy Options
Best for:
• Foreign clients with a valid passport and an unexpired Visa.
• Visa types accepted: B-1, B-2, H-2, H-3, J-1, J-2, O-2, P-1, P-2 and I
• 3/1, 5/1 and 10/1 ARM options
• SFR, Condo, Non-Warrantable Condo, 2-4 Units
Operation Points Scenario Desk:
Scenario Desk: https://www.nonqmscenario.com/login
Product Pricing Tool: https://deephavencorrespondent.pricerone.com
Product Pricing Tool: https://deephavencorrespondent.pricerone.com

Deep Haven:

Heather Carrico
Direct: 704.885.5064

Deep Haven Scenario Desk:


Nations Scenario Desk:

Susanna Carouthers
Direct: 330-338-7785



Income Calculation worksheet

Alternative Loan Analysis Form

Exception Request

HOA Certification

Non Delegated Underwriter Submission Form

Asset Qualification Flyer

Training Video

Identify Scenario Calculator

Product Pricing Tool



Let's talk! 800-459-7512