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- AAA Lendings Reserves Mortgage – AAA Lendings
Overview No Docs No Credit. 5 Years Fixed Rate Balloon. 30 Years Amortization Term. 4-Year P&I (Principal & Interest) Reserves Required. Max. loan Amount $7,500,000. One Month Bank Statement,No Need to Source Large Deposit *Reserves shall be deposited into AAA LENDING’s designated bank account (Reserve Account: Non-Interest Depository Account) Details Not needed: 1) Income; 2) DTI; 3) DSCR; 4) Credit Report; 5) Tax Return; 6) Employment. Allowed: 7) Max. 70% LTV; ... -
- AAA Lendings Enhanced R series – Elite WVOE – AAA Lendings
Overview Similar with WVOE. 7/6 ARM (5/1/5). Available in CA, CO, GA, IL. VA, WA. Details 1) Foreign national allowed; 2) No paystub / W-2 / tax return needed; 3) Gift funds allowed; 4) Loan amount up to $2.0M; 5) Down payment as lower as 30%; 6) Min. FICO 680. What’s the Elite WVOE Did the Lender condition updated paystubs again and again? Did the lender calculate your income and tell you that you are not qualify with the house mortgage? Are you hard to find your copies o... -
- AAA Lendings Non-QM 12 or 24-Month Personal / Business Bank Statements Program – AAA Lendings
Overview Self-employed borrower with excellent credit whose income stated on their tax return won’t qualify them for the luxury home they can afford. Qualify with 100% on Personal Account Deposits and 50% on Business Account Deposits (12 consecutive months) Details 1) Up to $4M loan amounts; 2) Up to 80% LTV; 3) Self-Employed and 1099 Borrowers; 4) 660 or higher credit scores; 5) No reserves required at 75% or less LTV; 6) No 4506T / No K1’s / No P&L’s required; 7) No MI (M... -
- AAA Lendings Salary Borrower Non-QM Program – WVOE (Written Verification of Employment) – AAA Lendings
Overview Wage earner borrowers only, who can not go with agency mortgage loans, and do not want to provide varities of income documents. Details 1) Foreign national allowed; 2) 12 months reserves calculated on PI (Not PITIA other lender required); 3) No paystub / W-2 / tax return needed; 4) Gift funds allowed; 5) Loan amount up to $2.5M; 6) Down payment as lower as 30%; 7) Min. FICO 680. What’s WVOE? Have you ever seen this kind of case? Did the Lender condition updated pa... -
- AAA Lendings AAA Jumbo Plus – AAA Lendings
Overview 30 years fixed. Details 1) Rental income can be used with 2 years landlord experiences history; 2) No Mortgage Insurance; 3) Max. LTV 85%; 4) Min. 12 months reserves on PITIA; 5) Min. Fico 680; 6) Max. Loan amount $3.0M; 7) Max cash-out amount $500,000. * Min. Loan Amount: Max Fannie Mae General LoanLimit + $1 Loan scenario 1. Purchase / Primary / Value $2.4M / Loan amount 2.0M / LTV 83.3% / Fico 740 2. Purchase / Primary / Value $3.2 M / Loan amount 2.5M / LTV 78... -
- AAA Lendings Salary Borrower Non-QM Program – WVOE (Written Verification of Employment) – AAA Lendings
Overview Wage earner borrowers only, who can not go with agency mortgage loans, and do not want to provide varities of income documents. Details 1) Foreign national allowed; 2) 12 months reserves calculated on PI (Not PITIA other lender required); 3) No paystub / W-2 / tax return needed; 4) Gift funds allowed; 5) Loan amount up to $2.5M; 6) Down payment as lower as 30%; 7) Min. FICO 680. What’s WVOE? Have you ever seen this kind of case? Did the Lender condition updated pa... -
- 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 is ATR-In-Full? The ATR-In-Full program is also an asset program, which is qualified with asset only. A good choice of... -
- AAA Lendings AAA Non-Conforming Loan – Jumbo Loan (High Loan Amount) – AAA Lendings
Overview High loan amount limit than agency conventional loans. 7/6 ARM high balance loan limits JUMBO acceptable. 30 Yrs FRM/15 Yrs FRM/ 10/6 ARM high balance loan limit Jumbo unacceptable. Details 10/6 ARM 1) Min. FICO 720; 2) Min. 12 months reserves on PITIA; 3) Max LTV 80%; 4) Max Loan amount $3.0M; 5) Max cash out $350,000; 6) 1-4 Units: Primary; 7) 1 unit: 2nd home & Investment property; 8) Purchase & R/T Refi & C/O Refi. 7/6 ARM 1) Min. FICO 700; 2) Min. 6 mo... -
- 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 80% 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 Non-Conforming Loan – Jumbo Loan (High Loan Amount) – AAA Lendings
Overview High loan amount limit than agency conventional loans. 7/6 ARM high balance loan limits JUMBO acceptable. 30 Yrs FRM/15 Yrs FRM/ 10/6 ARM high balance loan limit Jumbo unacceptable. Details 10/6 ARM 1) Min. FICO 720; 2) Min. 12 months reserves on PITIA; 3) Max LTV 80%; 4) Max Loan amount $3.0M; 5) Max cash out $350,000; 6) 1-4 Units: Primary; 7) 1 unit: 2nd home & Investment property; 8) Purchase & R/T Refi & C/O Refi. 7/6 ARM 1) Min. FICO 700; 2) Min. 6 mo... -
- AAA Lendings Enhanced R series – Elite True Stated Income – AAA Lendings
Overview Similar with True Stated Income. 7/6 ARM (5/1/5). CA,CO,GA,IL.VA,WA are available. Details 1) No P&L Needed; 2) No WVOE Needed; 3) No Tax Returns Needed; 4) No 4506-T Needed; 5) Gift funds allowed; 6) Loan amount up to $2.0M; 7) Purchase & R/T Refinance 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 the lender for a WVOE (Written Verification of Employment) progr... -
- AAA Lendings Enhanced R series – Elite WVOE – AAA Lendings
Overview Similar with WVOE. 7/6 ARM (5/1/5). CA,CO,GA,IL.VA,WA are available. Details 1) Foreign national allowed; 2) No paystub / W-2 / tax return needed; 3) Gift funds allowed; 4) Loan amount up to $2.0M; 5) Down payment as lower as 30%; 6) Min. FICO 680. What’s the program? Did you have ever meet this kind of case? Did the Lender condition updated paystubs again and again? Did the lender calculate your income and tell you not qualify with the house mortgage? Are you har...