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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

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