Foreign credit accepted.
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Help international buyers and investors own property in the U.S. This Non-QM program accepts foreign credit, qualifies on DSCR from 1.00, and lets cash-out proceeds count toward reserves.

Two paths to qualify

Full income documentation or DSCR for foreign nationals, with the same LTV caps either way.

Foreign credit accepted

All tiers open to 680+ FICO orforeign credit.

Reserve flexibility

Cash-out proceeds may be used to meet the 12-month reserve requirement.
Key Guidelines

Loan amounts:

$150k to $1.0MM

Max LTV/CLTV:

65% purchase and rate/term, 60% cash-out

Max DTI:

45%

Occupancy:

Second home and investment only

Max cash-out:

$250k

DSCR:

Minimum 1.00

Reserves:

12 months PITIA
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Norma Somers
Wholesale Mortgage Account Executive
Salvador Avalos
Wholesale Mortgage Account Executive
Genaro Rodriguez
Wholesale Mortgage Account Executive
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