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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 Non-Conforming Loan – Jumbo Loan(High Loan Amount) – AAA Lendings
Overview High loan amount limit than agency conventional loans. Details 1) Max DTI 43%; 2) Up to $2M Loan Amounts; 3) Up to 80% Max LTV; 4) 2-year tax returns are required; 5) No MI(Mortgage Insurance); 6) 720 or greater credit scores; 7) 12 or more months reserves; 8) SFRs, 2-4 Units, PUDs，Condos; 9) Non-AUS products. What is Jumbo Loan? A jumbo loan is a type of financing that exceeds the limits set by the Federal Housing Finance Agency and cannot be purchased, guaranteed, or securitized ... -
- 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 DSCR(Debt Service Coverage Ratio) Program – AAA Lendings
Overview Most simple product in the varieties of Non-QM programs. No Income/ No Employment/ No Tax Returns, neither comparing DTI ratio like conventional loans. Only if the subject property is an investment property. Details 1) Up to $2M loan amounts; 2) Up to 80% Max LTV; 3) 660 or greater credit scores; 4) Can close in entities; 5) No limits on number of properties financed; 6) SFRs, 2-4 Units, Condos, Townhomes, Condotels, and Non-Warrantable Condos. DSCR Program DSCR (... -
- 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 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 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 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 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 Non-DTI ratio Program – Asset Depletion(Asset Only) – AAA Lendings
Overview A borrower sold their multi-million dollar business and then found the home of their dreams but had no source of income to document. Details 1) Up to $2.5M loan amount; 2) Up to 80% LTV; 3) DTI ratio is 50%; 4) Cash-out is accepted; 5) No need employment information in loan application; 6) Asset divide 84 or fixed loan terms to get the borrrower qualified income. What is the program？ • Is your job or income failed to qualify a mortgage loan? • Do you have enough assets in you accou... -
- 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 AAA Non-Conforming Loan – Jumbo Loan(High Loan Amount) – AAA Lendings
Overview High loan amount limit than agency conventional loans. Details 1) Max DTI 43%; 2) Up to $2M Loan Amounts; 3) Up to 80% Max LTV; 4) 2-year tax returns are required; 5) No MI(Mortgage Insurance); 6) 720 or greater credit scores; 7) 12 or more months reserves; 8) SFRs, 2-4 Units, PUDs，Condos; 9) Non-AUS products. What is Jumbo Loan? A jumbo loan is a type of financing that exceeds the limits set by the Federal Housing Finance Agency and cannot be purchased, guaranteed, or securitized ...