Enter your keyword

A product for people who has had a recent credit event that puts them outside the standard agency credit guidelines to qualify for a mortgage.

SG capital:

• Can go down to 580
• Competitive rates, start at 5.626%
• High DTI threshold up to 55%
• Only 1 year tax return option (Express Docs)
• High loan amount up tp $3M

Product  EA Core 
Summary  Non-Prime 
Target Borrower  Borrowers with a recent credit / housing event or who want to use expanded features 
30-yr Fixed, 30yr IO Fixed 5/1, 5/1 IO, 7/1, 7/1 IO 
Products  40yr IO Fixed Rate, 40yr IO ARM (only Core) 
MAX Loan Amount  $3.0M 
Min FICO  580 
Max LTV  90% 
Max DTI  55% 
Housing History  Recent: 0x90x12 
Credit Event  Recent: Settled Seasoned: 3+ years 
Bankruptcy  Recent: 1+ years 
Seasoned: 2+ years 
Income Doc  12/24 mo Personal or Business Bank 
Express Doc (One-Year Tax Return w/P&L) Asset Utilization 
Non- Warrantable Condo  Yes 
Foreign Nationals  Eligible 
Coupon Range  5.625%+ 

Tips to remember:

• 24 hour scenario desk & exceptions
• Verifications of employment and fraud checks needed for submission
• Daily pricing sheets available
• Available in 42 states. (See specific states in guidelines)

Download File

Flyer Samples

Video Help

Realtor Page