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- AAA Lendings Non-QM Easily Qualified Asset only option – ATR-In-Full – AAA Lendings
Overview Popular asset program. Borrower has certain amount of money, which can cover the purchase price or loan amount and closing cost. No employment info; No DTI. Details 1) Up to 75% LTV; 2) Up to $4M loan amount; 3) Primary residence only; 4) No limits on number of properties financed; 5) At least 6-month reserves from borrower’s own funds. What’s this program? The ATR-In-Full program is also a asset program, which is qualified with asset only. A good choice of ... -
- AAA Lendings AAA Conventional Conforming Loans for most of the Borrowers in United States – AAA Lendings
What is conventional Conforming Loan? A conforming loan is a mortgage with terms and conditions that meet the funding criteria of Fannie Mae and Freddie Mac. Conforming loans cannot exceed a certain dollar limit, which changes from year to year. In 2022, the limit is $647,200 for most parts of the U.S. but is higher in some more expensive areas. You can search on the internet for each county loan conforming loan limits for current year. The mission of Fannie Mae and Freddie Mac results in t... -
- AAA Lendings Non-QM Interested Program – Diamond Jumbo (Similar with Conventional Loan) – AAA Lendings
Overview Diamond Jumbo, for borrowers who can not do Non-agency Jumbo. More loan amount/ Higher DTI/ Higher LTV/ Unlimited financed properties. Details 1) Max DTI 55%; 2) Up to $4M loan amount; 3) Up to 90% LTV; 4) No MI(Mortgage Insurance); 5) 660 or greater credit scores; 6) 6 or more months reserves; 7) 1-year tax return is available. What’s this program? Did you ever met below situation? • Lender can not permit your high loan amount request? • Can’t you get to the high... -
- AAA Lendings Non-QM Easily Qualified Asset only option – ATR-In-Full – AAA Lendings
Overview Popular asset program. Borrower has certain amount of money, which can cover the purchase price or loan amount and closing cost. No employment info; No DTI. Details 1) Up to 75% LTV; 2) Up to $4M loan amount; 3) Primary residence only; 4) No limits on number of properties financed; 5) At least 6-month reserves from borrower’s own funds. What’s this program? The ATR-In-Full program is also a asset program, which is qualified with asset only. A good choice of ... -
- AAA Lendings Non-QM Salary & Self-employed borrower Asset Program – True Stated Income – AAA Lendings
Overview Use borrower’s asset to qualify, borrower’s assets need to cover at least 6-month deposits of monthly income. Details 1) No P&L Needed; 2) No WVOE Needed; 3) 12 months reserves calculated on PI (Not PITIA other lender required); 4) Gift funds allowed; 5) Loan amount up to $2.5M; 6) Purchase & No Cash out available. What’s this program? • Do you know how to use asset only to qualify for you house mortgage loan? • Were you suspended or denied by ... -
- AAA Lendings Non-QM Interested Program – Diamond Jumbo (Similar with Conventional Loan) – AAA Lendings
Overview Diamond Jumbo, for borrowers who can not do Non-agency Jumbo. More loan amount/ Higher DTI/ Higher LTV/ Unlimited financed properties. Details 1) Max DTI 55%; 2) Up to $4M loan amount; 3) Up to 90% LTV; 4) No MI(Mortgage Insurance); 5) 660 or greater credit scores; 6) 6 or more months reserves; 7) 1-year tax return is available. What’s this program? Did you ever met below situation? • Lender can not permit your high loan amount request? • Can’t you get to the high... -
- AAA Lendings Non-QM Self-employed borrower program – P&L(Self Prepared Profit & Loss Only) – AAA Lendings
Overview Self-employed borrowers only, who can not go with agency mortgage loans, and do not want to provide varities of income documents. Details 1) No CPA signature needed; 2) Foreign national allowed; 3) Loan amount up to $10M; 4) 12 months reserves calculated on PI(Not PITIA other lender required); 5) No tax returns needed; 6) Gift funds allowed; 7) Down payment as lower as 30%; 8) Min. FICO 680. What’s this program? Who can apply for this program? • Are you a self-emp... -
- AAA Lendings Non-QM Interested Program – Diamond Jumbo (Similar with Conventional Loan) – AAA Lendings
Overview Diamond Jumbo, for borrowers who can not do Non-agency Jumbo. More loan amount/ Higher DTI/ Higher LTV/ Unlimited financed properties. Details 1) Max DTI 55%; 2) Up to $4M loan amount; 3) Up to 90% LTV; 4) No MI(Mortgage Insurance); 5) 660 or greater credit scores; 6) 6 or more months reserves; 7) 1-year tax return is available. What’s this program? Did you ever met below situation? • Lender can not permit your high loan amount request? • Can’t you get to the high... -
- AAA Lendings AAA Conventional Conforming Loans for most of the Borrowers in United States – AAA Lendings
What is conventional Conforming Loan? A conforming loan is a mortgage with terms and conditions that meet the funding criteria of Fannie Mae and Freddie Mac. Conforming loans cannot exceed a certain dollar limit, which changes from year to year. In 2022, the limit is $647,200 for most parts of the U.S. but is higher in some more expensive areas. You can search on the internet for each county loan conforming loan limits for current year. The mission of Fannie Mae and Freddie Mac results in t... -
- AAA Lendings Non-QM Self-employed borrower program – P&L(Self Prepared Profit & Loss Only) – AAA Lendings
Overview Self-employed borrowers only, who can not go with agency mortgage loans, and do not want to provide varities of income documents. Details 1) No CPA signature needed; 2) Foreign national allowed; 3) Loan amount up to $10M; 4) 12 months reserves calculated on PI(Not PITIA other lender required); 5) No tax returns needed; 6) Gift funds allowed; 7) Down payment as lower as 30%; 8) Min. FICO 680. What’s this program? Who can apply for this program? • Are you a self-emp... -
- AAA Lendings AAA Conventional Conforming Loans for most of the Borrowers in United States – AAA Lendings
What is conventional Conforming Loan? A conforming loan is a mortgage with terms and conditions that meet the funding criteria of Fannie Mae and Freddie Mac. Conforming loans cannot exceed a certain dollar limit, which changes from year to year. In 2022, the limit is $647,200 for most parts of the U.S. but is higher in some more expensive areas. You can search on the internet for each county loan conforming loan limits for current year. The mission of Fannie Mae and Freddie Mac results in t... -
- AAA Lendings Non-QM Easily Qualified Asset only option – ATR-In-Full – AAA Lendings
Overview Popular asset program. Borrower has certain amount of money, which can cover the purchase price or loan amount and closing cost. No employment info; No DTI. Details 1) Up to 75% LTV; 2) Up to $4M loan amount; 3) Primary residence only; 4) No limits on number of properties financed; 5) At least 6-month reserves from borrower’s own funds. What’s this program? The ATR-In-Full program is also a asset program, which is qualified with asset only. A good choice of ...