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  • - AAA Lendings Affordable Housing Portfolio Loan – AAA Lendings

    - AAA Lendings Affordable Housing Portfolio Loan – AAA Lendings

    Overview Affordable Housing Portfolio Loan offer flexible underwriting, highly competitive rates and fixed or variable-rate financing options with certainty and speed of execution. Details 7/6 ARM (30-Day Avg. SOFR) 1) Max. LTV 80%; 2) Max. Loan Amount $1,500,000; 3) All scenarios require 12 months P&I in the U.S. Financial Institution as reserves; 4) Primary Transaction must be CRA Eligible Loan: ①LMI of less than 80% of FFEIC median income for census tract; or ②Subject Pr...
  • - AAA Lendings Non-QM Interested Program – Full Doc – AAA Lendings

    - AAA Lendings Non-QM Interested Program – Full Doc – AAA Lendings

    Overview Full Doc, for borrowers who can not do Non-agency Jumbo. More loan amount/Higher DTI/Higher LTV/ Unlimited financed properties. Program Highlights 1) Max. DTI 55%; 2) Up to $4M Loan Amount; 3) Up to 80% LTV; 4) No MI (Mortgage Insurance); 5) 660 or higher Credit Score; 6) 6 months or more reserves; 7) 1-year tax return. What are the differences between Non-QM Full Doc and Full Qualify Program? In general, most of the applicants may apply for conventional Jumbo loa...
  • - AAA Lendings Jumbo Loan – AAA Lendings

    - AAA Lendings Jumbo Loan – AAA Lendings

    Overview Loan amount exceeds the limits for a conventional conforming loan. Program Highlights 30/15 Years Fixed 1) Rental income can be used with 2 years landlord experiences history; 2) No Mortgage Insurance needed; 3) Max. DTI 45%; 4) Max. LTV 85% for purchase & R/T; Max. LTV 75% for C/O; 5) Max number of financed properties: ① Primary – No Limit, ② 2nd & Investment Property – Max. 20; 6) Max. Loan Amount $3.0M; 7) Max. cash-out amount $500,000; 8) Min. 1...
  • - AAA Lendings Portfolio Program – AAA Lendings

    - AAA Lendings Portfolio Program – AAA Lendings

    Overview Portfolio Bank Statement Portfolio DSCR Portfolio Foreign National DSCR * Retail Only Details 1) 5/6 ARM 30 Day Average SOFR (5/1/5); 2) Buydown ratio under par 1:2; 3) Max. Loan Amount $5,000,000. * Buyup ratio over par unacceptable  Portfolio Bank Statement  1) UW Fee $1495 & Processsing Fee $845; 2) Trust/Entity Review Fee $300, if applicable; 3) Bank Statement Income Max. LTV 65%; 4) Bank Statement – Interest Only Max. LTV 60%; 5) Min. Loan Amount $500,00...
  • - AAA Lendings Jumbo Loan – AAA Lendings

    - AAA Lendings Jumbo Loan – AAA Lendings

    Overview Loan amount exceeds the limits for a conventional conforming loan. Program Highlights 30/15 Years Fixed 1) Rental income can be used with 2 years landlord experiences history; 2) No Mortgage Insurance needed; 3) Max. DTI 45%; 4) Max. LTV 85% for purchase & R/T; Max. LTV 75% for C/O; 5) Max number of financed properties: ① Primary – No Limit, ② 2nd & Investment Property – Max. 20; 6) Max. Loan Amount $3.0M; 7) Max. cash-out amount $500,000; 8) Min. 1...
  • - AAA Lendings HELOC – AAA Lendings

    - AAA Lendings HELOC – AAA Lendings

    Overview Standalone & Piggyback. The HELOC program is Home Equity Line Of Credit. Index + Margin. 30 Years term, 10 Yrs I/O Draw Period followed by 20 Years Amortization. * Index: Prime Mortgage Rate floated with the market.    Margin: Subject to loan scenarios, Margin Min. 1%, Fixed.    Lifetime Max Rate: 18%.    Lifetime Rate Floor: 2.5%. Program Highlights 1) No Prepayment Penalty; 2) No Annual Fee; 3) Primary & Second home are eligible; 4) Max. HCLTV 85%; 5) Max. Lo...
  • - AAA Lendings Non-QM DSCR (Debt Service Coverage Ratio) Program – AAA Lendings

    - AAA Lendings Non-QM DSCR (Debt Service Coverage Ratio) Program – AAA Lendings

    Overview DSCR (Debt Service Coverage Ratio) Program. This is the easiest program among all of the Non-QM programs. Income/ Employment Status/ Tax Return is not required. Program Highlights 1) Up to $2M Loan Amount; 2) Up to 75% LTV; 3) 660 or higher Credit Score; 4) May close in entities; 5) No limits on number of properties financed; 6) SFRs, 2-4 Units, Condos, Townhomes, Condotels, and Non-Warrantable Condos are available. What is DSCR? Do you know how to qualify a house...
  • - AAA Lendings Non-QM Interested Program – Full Doc – AAA Lendings

    - AAA Lendings Non-QM Interested Program – Full Doc – AAA Lendings

    Overview Full Doc, for borrowers who can not do Non-agency Jumbo. More loan amount/Higher DTI/Higher LTV/ Unlimited financed properties. Program Highlights 1) Max. DTI 55%; 2) Up to $4M Loan Amount; 3) Up to 80% LTV; 4) No MI (Mortgage Insurance); 5) 660 or higher Credit Score; 6) 6 months or more reserves; 7) 1-year tax return. What are the differences between Non-QM Full Doc and Full Qualify Program? In general, most of the applicants may apply for conventional Jumbo loa...
  • - AAA Lendings Affordable Housing Portfolio Loan – AAA Lendings

    - AAA Lendings Affordable Housing Portfolio Loan – AAA Lendings

    Overview Affordable Housing Portfolio Loan offer flexible underwriting, highly competitive rates and fixed or variable-rate financing options with certainty and speed of execution. Details 7/6 ARM (30-Day Avg. SOFR) 1) Max. LTV 80%; 2) Max. Loan Amount $1,500,000; 3) All scenarios require 12 months P&I in the U.S. Financial Institution as reserves; 4) Primary Transaction must be CRA Eligible Loan: ①LMI of less than 80% of FFEIC median income for census tract; or ②Subject Pr...
  • - AAA Lendings Portfolio Program – AAA Lendings

    - AAA Lendings Portfolio Program – AAA Lendings

    Overview Portfolio Bank Statement Portfolio DSCR Portfolio Foreign National DSCR * Retail Only Details 1) 5/6 ARM 30 Day Average SOFR (5/1/5); 2) Buydown ratio under par 1:2; 3) Max. Loan Amount $5,000,000. * Buyup ratio over par unacceptable  Portfolio Bank Statement  1) UW Fee $1495 & Processsing Fee $845; 2) Trust/Entity Review Fee $300, if applicable; 3) Bank Statement Income Max. LTV 65%; 4) Bank Statement – Interest Only Max. LTV 60%; 5) Min. Loan Amount $500,00...
  • - AAA Lendings Affordable Housing Portfolio Loan – AAA Lendings

    - AAA Lendings Affordable Housing Portfolio Loan – AAA Lendings

    Overview Affordable Housing Portfolio Loan offer flexible underwriting, highly competitive rates and fixed or variable-rate financing options with certainty and speed of execution. Details 7/6 ARM (30-Day Avg. SOFR) 1) Max. LTV 80%; 2) Max. Loan Amount $1,500,000; 3) All scenarios require 12 months P&I in the U.S. Financial Institution as reserves; 4) Primary Transaction must be CRA Eligible Loan: ①LMI of less than 80% of FFEIC median income for census tract; or ②Subject Pr...
  • - AAA Lendings Portfolio Program – AAA Lendings

    - AAA Lendings Portfolio Program – AAA Lendings

    Overview Portfolio Bank Statement Portfolio DSCR Portfolio Foreign National DSCR * Retail Only Details 1) 5/6 ARM 30 Day Average SOFR (5/1/5); 2) Buydown ratio under par 1:2; 3) Max. Loan Amount $5,000,000. * Buyup ratio over par unacceptable  Portfolio Bank Statement  1) UW Fee $1495 & Processsing Fee $845; 2) Trust/Entity Review Fee $300, if applicable; 3) Bank Statement Income Max. LTV 65%; 4) Bank Statement – Interest Only Max. LTV 60%; 5) Min. Loan Amount $500,00...
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