JUMBO BANK STATEMENT ONLY BAD CREDIT FLORIDA MORTGAGE LENDERS

Bank Statement ONLY Program For FLORIDA Self-Employed Borrowers

24 months business bank statements to 90% LTV w/ no MI 12 or 24-month personal bank statements to 90% LTV w/ no MI Simple third party prepared expense statement required 2 years seasoning FC, SS, BK, or  DIL No tax returns/transcripts required

DTI above 35/43 considered with 660+ credit score Loans up to $3 million (minimum loan $150,000) Quick and easy income calculation worksheet provided Credit scores starting at 620 (no multi-family properties) First-time homebuyers OK (subject to additional guidelines)

APPLY NOW

Portfolio Select/Alt-A Program (Perfect For Florida Jumbo Borrowers) APPLY NOW 

Up to 90% LTV (purchase & R/T) Up to 85% LTV (cash-out) w/ no MI 2 years seasoning FC, SS, BK, or DIL Recently discharged BK 13 to 90% LTV (if paid as agreed 24 Mos)

Loans up to $3 million (minimum loan $75,000) Cash out for reserves OK Credit scores starting at 620 Max 1×30 mortgage lates OK last 12 months Option to qualify with assets instead of income Asset Depletion program available

Non-Prime Program for jUMbo Florida mortgage applicants With Recent Credit Issues

Credit scores as low as 500 (including jumbo  loans) Up to 85% LTV (purchase & R/T) w/ no MI 1 day out of FC, SS, BK, or DIL Up to 80% LTV (cash-out)

Loans up to $1 million (minimum loan $75,000) Cash out for reserves OK Mortgage lates are OK DTI up to 50% considered Limited or no trade lines OK to max 75% LTV Max cash-out to $500,000

Investor Cash Flow “No Income” Program (Perfect for Florida Investors)

No personal income used to qualify No limit on number of properties financed (5 with AOMS) No DTI restrictions Must have housing history and own a primary home

No employment required on application Cash out for reserves OK Mortgage lates are OK DTI up to 50% considered Limited or no tradelines OK to max 75% LTV Max cash-out to $500,000

Florida jumbo Foreign National Program To 75% LTV

Up to 75% LTV (Florida purchase or refinance) Simple credit reference letters to satisfy trade lines No US or international credit required No SSN or ITIN required 12 months reserves required

Loans up to $750,000 (higher amounts case by case) Reserves can remain in foreign account Minimum loan amount down to $75,000 Fewer country restrictions than other lenders DTI up to 50% considered

No Income Asset Qualifier Florida jumbo mortgage lenders  To 75% LTV

Up to 75% LTV (purchase or delayed  financing) 5 years seasoning FC, SS, BK, or DIL Credit score of 700+ required Loans up to $3 million (minimum Loan $150,000) No DTI restrictions

Requires 60 months of recurring monthly payments post closing No 4506 required Must document minimum $500,000 in post closing assets Primary residence only Assets must be sourced/seasoned for a minimum of 12 months