Program highlights include:
- Qualify with full documentation, including foreign credit for investment properties or second homes
- Qualify for investment properties through a DSCR qualification
- Most recent one or two years of 1099(s)
- Product types: 5/6 ARM, 7/6 ARM, 30 Year Fixed
- Maximum LTVs of 65%
- Maximum DTI of 45%
- Payment history: 0x30x12
- Exceptions to highlights and guidelines are often approved. Please send your Exception Request Form to: Scenario@CLOUTwmb.com
Program highlights include:
- Loan amounts up to $3.5MM+
- Credit score down to 620
- No DTI developed or employment verified
- Qualify based on verified liquid assets
- Interest Only available on 30 or 40 year term
- All occupancy types allowed
- LLCs, Partnerships and Corporations are eligible vesting types
- Non-Warrantable Condos considered by exception
- Multiple financed properties allowed
- Qualify borrowers using eligible assets; marketable securities, retirement funds, and other asset types
- Exceptions to highlights and guidelines are often approved. Please send your Exception Request Form to: Scenario@CLOUTwmb.com
Program highlights include:
- Qualify for investment properties through a DSCR qualification
- Loan amounts up to $3.5MM+
- Credit score down to 620
- No DTI developed or employment verified
- Interest only feature available with no reduction to LTV
- First Time Investors Eligible!
- LLCs, Partnerships and Corporations are eligible vesting types
- Non-Warrantable Condos considered by exception
- Multiple financed properties allowed
- Business funds may be considered as assets
- Exceptions to highlights and guidelines are often approved. Please send your Exception Request Form to: Scenario@CLOUTwmb.com
Program highlights include:
- 1 year W2's, W2 transcripts, YTD paystub, VOE
- Product types: 5/6 ARM, 7/6 ARM, 30 Year Fixed
- Maximum LTVs of 85%
- Owner Occupied, 2nd Home or Investment Property
- Maximum DTI of 55%
- Maximum loan sizes of $1.0 million
- Payment history: 1x30x12
- Exceptions to highlights and guidelines are often approved. Please send your Exception Request Form to: Scenario@CLOUTwmb.com
Program highlights include:
- Qualify with 12 or 24 months business or personal bank statements
- Loan amounts up to $3.5MM+
- Credit score down to 620
- DTI up to 55%
- Max LTV 90%
- Interest Only available on 30 or 40 year term
- Owner Occupied, 2nd Home or Investment Property
- LLCs, Partnerships and Corporations eligible vesting types
- Multiple financed properties allowed
- Business and Personal Statements allowed
- Multiple bank statement qualification options
- Minimum 2 years self-employment
- 2+ housing event seasoning
- Non-Warrantable Condos allowed
- Exceptions to highlights and guidelines are often approved. Please send your Exception Request Form to: Scenario@CLOUTwmb.com
Program highlights include:
- Not Your Average Full Doc Loan!
- Eligibility determined by 2 years of W2s & W2 transcripts only
- Interest Only available on 30 or 40 year term
- DTI up to 55% allowed
- Credit score down to 620
- Recent Credit Events Allowed
- All occupancy types allowed
- 7/6 and 10/6 ARM, 15, 30, and 40 FRM (40 year term IO only)
- Multiple financed properties allowed
- Non-Warrantable Condos approved with certain criteria
- Gift funds allowed for closing funds
- Exceptions to highlights and guidelines are often approved. Please send your Exception Request Form to: Scenario@CLOUTwmb.com
Program highlights include:
- Credit score down to 620
- DTI up to 55%
- Recent Credit Events allowed
- Interest Only available on 30 or 40 year term
- All occupancy types allowed
- 7/6 and 10/6 ARM, 15, 30, and 40 FRM (40 year term IO only)
- Multiple 1099 qualification options
- Multiple financed properties allowed
- As little as one year to qualify
- Exceptions to highlights and guidelines are often approved. Please send your Exception Request Form to: Scenario@CLOUTwmb.com
Program highlights include:
- Credit score down to 620
- DTI up to 55%
- Recent Credit Events allowed
- Interest Only available on 30 or 40 year term
- All occupancy types allowed
- 7/6 and 10/6 ARM, 15, 30, and 40 FRM (40 year term IO only)
- Non-Warrantable Condos considered by exception
- Multiple financed properties allowed
- Exceptions to highlights and guidelines are often approved. Please send your Exception Request Form to: Scenario@CLOUTwmb.com
Program highlights include:
- Qualify borrowers with most recent 3 rd party prepared 12-month Profit & Loss statement (P&L)
- NO Bank Statements required for validation
- Less than 100% ownership OK
- All Occupancy Types Accepted
- Minimum Fico 620 (with other restrictions)
- Exceptions to highlights and guidelines are often approved. Please send your Exception Request Form to: Scenario@CLOUTwmb.com
Program highlights include:
- Qualify with just a FNMA VOE 1005 Form
- 2 years history of employment in same industry
- 1-year continuous employment at current job
- No bank statements to support income required
- FNMA Form 1005 must have a twenty-four (24) month history of wage earnings/salary
- Co-Borrowers with other income doc types allowed
- Exceptions to highlights and guidelines are often approved. Please send your Exception Request Form to: Scenario@CLOUTwmb.com