2501 Truxillo St, Houston TX 77004
(832) 528-0765
client@aloanmortgage.com

Non-QM

Houston Texas Loan, home Mortgage,

If you have any questions, please contact us. 832-877-8309 or email us at aloanmortgage@gmail.com

Full Doc NQM

– Traditional Income Docs
– Loan amount up to $3mm
– 90% LTV
– 599 FICO
– Condo 80% LTV
– Cash out up to 70% LTV
– Super Prime & Prime Access Program
– DSCR reduced 0.5 across the board

12/24 Month Bank Statements

– Business and Personal
– Loan amount up to $3mm
– 90% LTV
– 599 FICO
– 100% Deposits Accepted
– 50% expense ratio or expense letter from CPA/Tax preparer
– Cash out up to 70% LTV
– Super Prime & Prime Access Programs

2 Months Bank Statements

– 2 Months Bank Statements to Support 1 year CPA P&L income
– Loan amount up to $3mm
– 75% LTV
– 599 FICO
– Super Prime & Prime Access Programs

Asset Utilization

– Cash at 100%
– Securities at 90%
– Retirement at 70%
– 75% LTV
– FICO 599
– Cash out available
– Income calculation – All Eligible Assets Divided by 100
– Cash out up to 70% LTV
– Super Prime & Prime Access Programs

DSCR

– No Income, No EMP. on 1003
– 80% LTV
– FICO 599
– DSCR ≥ 0.75
– 30 Year Fixed
– Loans up to $2 mm
– Max Cash in hand $1,000,000
– Cash-out proceeds may be used for Reserves

Non-Permanent Resident

– 70% LTV
– 660 Credit Score
– Bank Statements Allowed

Foreign Nationals

– 70% LTV
– Loans up to $2 mm
– Cash-out permitted
– DSCR ≥ 0.75
– 65% LTV
– CPA Letter or EMP. Letter
– 1 Credit Ref, 1 Bank Ref
– Gifts are permitted
– Reserves overseas allowed

2Y CPA P&L

– 2Y P&L prepared by CPA or Enrolled Tax Agent or Licensed Tax Preparer
– 80% LTV
– 599 FICO
– DTI 50%
– Cash out up to 70% LTV

WVOE / 1099

– 599 FICO
– 80 LTV
– Completed FNMA Form 1005 for 2 year history with same employer
– Cash out available
– Max LA $3mm