Enter your keyword

For borrowers with good credit history, but without the assets for a large down payment. Whether they just need a little more home for their money, a second home or an investment property, high-LTV doesn’t have to equate with high-risk.

Correspondent Non-Delegated

New Rez – SmartSelf & SmartSelf Plus

• Max LTV 90% for Purchase
• Max LTV 85% for Cash out
• Max DTI 50%
• Minimum FICO 620

New Rez – SmartEdge & SmartEdge Plus

• Max LTV 90% for Purchase
• Max LTV 85% for Cash out
• Max DTI 50%
• Minimum FICO 620

New Rez – SmartFunds

• Max LTV 90% for Purchase
• Max LTV 85% for Cash out
• DTI is not Calculated
• Minimum FICO 680

New Rez – SmartCondo

• Max LTV 90% for Purchase (80% for condotel)
• Max LTV 80% for Cash out (Not Permitted for condotel)
• Max DTI is 45%
• Minimum FICO 660 (680 for Condotel)

Deep Haven – Expanded Prime

• Higher Fico borrower
• Self employed can utilize personal bank statements or business bank
• P&L used for business bank statements can be borrower prepared or can use CPA prepared Expense Ratio
• 43% DTI Standard and up to 50% Enhanced with certain criteria and Full Doc

Deep Haven – Near Prime

• Mid to High Fico borrower
• Self employed can utilize personal bank statements or business bank statements
• P&L used for business bank statements can be borrower prepared or can use CPA prepared Expense Ratio
• 50% DTI standard and up to 55% Enhanced with certain criteria and Full Doc

Deep Haven – Non Prime

• Lower to High Fico borrower
• Self employed can utilize personal bank statements or business bank statements
• P&L used for business bank statements can be borrower prepared or can use CPA prepared Expense Ratio
• Standard DTI 43% and up to 50% with 620 Fico. 55% Enhanced ratio available with certain criteria and Full Doc

Broker Non-Delegated

Angel Oak - NON-PRIME >80%

• Debt Consolidation up to 90% LTV

Angel Oak – PLATINUM

• Just Missed agency fallout
• Perfect for SE borrowers using bank statements for income
• Borrowers with a major credit event between 4-7 year

Angel Oak – PLATINUM >90%

• Just Missed agency/Jumbo fallout
• 95% LTV up to $1.5MM

Angel Oak – PORTFOLIO SELECT

• Perfect for Borrowers With High Net Worth and Significant Assets
• No other income required

Thanks!

Let's talk! 800-459-7512