Gift Funds Permitted
  • Loan Amounts: Up to $3.5 million.
  • Cash-Out Refinance: Up to 75% LTV.
  • No Ratio Option: Available for qualifying borrowers.
  • Credit Requirements: Minimum 620 FICO.
  • Minimum 620 FICO.: All property types are eligible.
  • Eligible Borrowers: Non-permanent resident aliens and foreign nationals welcome.
  • Funds to Close: Business funds, gift funds, or equity allowed (on a case-by-case basis).
  • Cash-Out Limits:
    • No limit up to 65% LTV.
    • Maximum $1 million over 65% LTV.
  • Licensing: Not required in 30+ states.
  • First-Time Buyers: First-time homebuyers and first-time investors are eligible
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