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- Income is acknowledged and not verified.  
- Purchase, rate and time period, or money out refinance. Undocumented aliens with ITIN numbers aren't allowed underneath this program.  
- Documented ability to repay could also be relevant beneath certain scenarios.  
- US citizens, everlasting resident aliens, and overseas nationals with valid passport and US visa are allowed.  
- $5,000,000 most mortgage amount.  
- 500 minimum credit score score required.  
- As much as 65% mortgage-to-worth for money-out refinances (see pointers).  
- SFR, PUDs, condos, townhouses, and 2-4 models allowed.  
- Proprietor-user, second home or funding properties.  
- Mixed-use residential property with industrial affect allowed on case-by-case basis.  
- $100,000 minimum loan amount.  
- As much as 70% mortgage-to-worth for purchases and charge/time period refinances (see guidelines).  
- No reserves required.  
  
 
- All loans require impounding of property taxes and hazard insurance coverage. - Property must be positioned in the State of California.  
- No prepayment penalty.  
  
 
  
  
To download underwriting tips  
  
for our onerous cash mortgage program:  
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