No Income Second Mortgage

  • Loan Amounts Ranging from $75,000 to $500,000
  • Full Documentation Required for Qualification
  • Up to 85% Combined Loan-to-Value (CLTV)
  • Fixed Term Options of 10, 15, 20, and 30 Years
  • Eligible Properties Include Single-Family Residences, Warrantable Condos, PUDs, and 2-4 Unit Properties
  • CLTV Limits: 2-4 Unit Properties up to 65%; Condos up to 80%
  • Debt-to-Income Ratio Capped at 50% for Primary Residences and 45% for Second/Investment Properties
  • Minimum FICO Score of 680 Required
  • Available for U.S. Citizens and Permanent/Non-Permanent Residents (non-permanent residents only on primary residences)
  • Major Derogatory Credit Must be Seasoned for 48 Months

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