Official Wholesale Lender Product List

[Donya]

"GO for the GOLD
GO for FORT KNOX"

N/O/O Programs:

100% Fico 680, SFR, SIVA, No Ratio, SISA, Loan amount up to $600K.
95% Fico 680, SFR, NO Doc, Loan amount up to $660K.
100% Fico 720, 2-4 Units, SIVA, No Ratio, Loan amount up to $600K.
95% Fico 720, 2-4 Units, SISA, Loan amount up to $600K.
95% Fico 720, 2-4 Units, No Doc, Loan amount up to $410K.

Program 1:

*This is our prime/AltA product available in Fixed and ARM's
*Interest Only, Loans up to $4MM. 100% financing up to $1MM.
*Full Doc/ Limited Doc/ No Ratio/ No Doc.
*SFR/ 2-4 Units.
*N/O/O, SH, O/O.
*Extremely versatile and has some flexibility with guidelines.
*Warrantable and Non-Warrantable Condos:
-Minimum 600 square feet.
-Sudio Units are eligible.
-PUDS
-Condotels
*On Cash out Transactions, the borrower may receive an unlimited amount of
cash out, unless loan requires or has mortgage insurance.

Program 2:

*Subprime Alt A Program Full/ LTD and No Doc.
*Purchase/Refi, LTD Doc, N/O/O.
*Limited Doc/ No Doc with 620 Fico.
*1-4 Units Dwellings.
*Warrantable and Non-Warrantable condos
-Minimum 600 Square feet, and 10 units, Studio units are eligible.
*PUDS
*Modular/prefab homes.
*No acreage limitation (Land Value should not exceed 35%, Exceptions considered on case-by-case)
*Unique properties.
*Maximum Number of Properties: N/O/O 10. SH 10, O/O No limit.

PROGRAM 1 FIRST TD COMBINED WITH PROGRAM 2 2ND TD:

100% $1,600,000 Sales or Appraised Value, Combo 75/25, 620 Fico, Full Doc.
100% $1,000,000 Sales or Appraised Value, Combo 70/30, 680 Fico, Stated.
95% $2,000,000 Sales or Appraised Value, Combo 75/20, 620 Fico, Full.

Program 3:

*Pay Option Arm, 1% Start Rate up to 2.0 Rebate.
*Purchase/ R/T. O/O Full Doc 80/90, up to $1,000,000, with 660 Fico.
*Purchase/ R/T, N/O/O Full Doc 80/90, up to $650,000, with 680 Fico.
*Purchase/ R/T, O/O Stated 80/90, up to $1,000,000 with 680 Fico.
*Purchase/ R/T, N/O/O Stated 75/90, Up to $650,000 with 700 Fico.
*MTA or Libor Index.
*Soft, Hard, No prepay.

Program 4:

*Our 15 & 30 Year Fixed along with Jumbo Fixed.

Program 5:

*Our HELOC product- Can be used as stand alone or with a 1st TD
*Interest Only.
*Stated, O/O, 100% with 740 Fico, $150,000 Maximum Loan amount, total Lien $1,000,000.
*Available for N/O/O 2-4 Units, Stated.
*You may use it behind Pay option Arms.
*Up to $300,000, Some flexibility with guidelines. (1.00)

Program 6A:

*Our Subprime program.
*80/20 Combo, Stated.
*40 Year Term.
*Mortgage History Only.
*SFR, PUD, Condo, Townhome, 2-4 Units.
*O/O, SH, N/O/O.
*Full Doc and Lite Doc (Bank Statements)

Program 6B:

*Our Full Doc (Bank Statements) Subprime program.
*100% One Loan Only.
*Interest Only
*Source/Seasoning of funds is not required when the borrowers minimum own funds and funds to close are drawn from a bank listed on the 1003.
*Certified funds at close must be drawn from a bank listed on the 1003.
*Third party funds require verification.
*Gift funds acceptable on all credith levels and documentation types for primary residence and second homes only.
*Gifts of Equity allwed for family sales only.
*Maximum DTI 50%.


Donya Safavinia
Account Executive
818-807-7765 Cell
310-478-4466 Fax
Donya@fortknoxlending.com
11620 Willshire BLVD, Suite #460
Los Angeles, CA, 90025

"Go for the GOLD
GO FOR FORT KNOX"

[moranvitalea]

How about this? I'm going to list the things WE DON'T DO

100% investor or second homes stated or full doc
foreign nationals
Loans to our approved brokers
100% for 500 to 579 FICO's
Mobile Homes
alternative credit
Stand alone seconds

We dont' do any of those. What we do do kicks butt! Here's a sampling:

100% STATED JUMBO NO tradelines, NO reserves, Private VOR 620 FICO

100% Combo, 600 FICO, FULL DOC, NO TRADES, Private VOR

Stated Fixed Income. YES. you can state social security.

Ignore coborrower credit. If coborrower under 500, use the income, put them on the application we DO NOT LOOK AT THE SCORE

I'm not putting anything else on here. It's too much and I'd rather have you call me, run the scenario and I'll tell you if it's doable. The devil is in the details and the more I know the better chances you have of closing the deal. SO CALL ME!

Joe Moran
Fremont Investment and Loan
Account Executive
Cell: 267-307-9244
fax: 866-541-8103
email: jmoran@fmtinv.com
web: http:jmoran.fremontbroker.com

[juliediggs]

“WE CAN CLOSE LOANS IN A WEEK” - Homeland Capital -


• Appraisal Free Loans (value derived by avms)

• 40 Year Mortgage (primary residence only)

• 100% LTV Investment Property Purchase With 680 Score

• Pay Option Arm Program

• CCCS 100% LTV With 580 Score

• 1 Tradeline Program With Score Of 600+

• Stated Income (W-2 100% Or Self Employed 100% With 620 Score)

• Full Appraised Value With 6 Month Seasoning Program

• 100% LTV Purchase and Cash Out With 580 Score (80/20 Available)

• Interest Only Programs With 580 Score

• Private Or Institutional VOR Allowed With 620 Score

• 55% Debt Ratios

• NINA And No Doc Programs Up To 95% - No Ratio Programs up to 95%

• Gift Funds Allowed From Immediate Family Members

• Chapter 13 and Chapter 7 Bankruptcy Programs Available

• Doublewide financing up to 90% w/ 650 score 80%w/ 620 score

• 100% Stated for 1st time homebuyers w/ 620 score (self employed)

“$250.00 Full Package Incentive Available”
julie.diggs@homelandcap.com

[QHL David]

Hello All,

We are a "hard money" lender based in Southern California.

Products: 580 to 0 Fico scores
All programs are interest only
All programs are truly stated
NOD, NOS, current B.K. O.K.
Pricing at par.
California only at the moment.

Call or email for pricing:

David Pickle
Account Executive
Quality Home Loans
818-206-7968 Direct
dpickle@qualityhomeloans.com

[aa_LimeFinl]

Lime Financial

Lime Extract:
· 540-700+, up to 100% financing one loan(min 640) to $750K
· Full doc, 24 or 12 months bank statements
· 0x90 mortgage
· BK’s no seasoning, must have proof discharged
· CCC no seasoning
· No VOR (no rent 1003)*
· No reserves
· 40/30 avail
· Open derogs ignored (if not on title)
*Address on 1003 should match address on credit

SubLime:
· Full Doc
- 90% with 0x90 540 score
- 80% one day out of BK and 540 score
- 65% 1x120 no active foreclosure and 500 score
· Stated(self employed or w2)
- 90% with 1x30 580 score No Limit on charge-offs
- 85% with 0x90 and 630 score
· Interest Only and 40/30 avail
· CLTV <= 80% (OO): NO TRADELINES & 12 months credit history
· NOO/ Second Homes to 3x30 allowed(full doc)
· 2-4 units
· Min disposable: $600(one family member up to 50%DTI)
· Tax liens can remain open if:
- 12month pay history evidenced with pay plan
- 100% max cltv(including the tax lien)*
*All other cltv limitations apply. If on title, must be paid

Whole Lime:
· Classic
- 100% one loan with 580 score
- Rent free allowed
- 12 month BK
- No CCC seasoning
- $5000 adverse
- $650K max loan size
- $200K cashout
- Investment property delinq’s are not considered(unless foreclosure)
- 5/25 avail
- 40/30 avail with 620
· Premium
- 100% one loan with 620 score
- 1x30 VOM
- 55% DTI
- $750K max loan size
- 2 to 4 units allowed with 660 score (full doc)
- Rural properties allowed
- Investment property delinq’s are not considered(unless foreclosure)
- Stated 100% ONE LOAN (660+, 50% DTI)

100% Financing: One Loan, 80/20 Combo’s and Stand Alone 2nd’s

Lime Extract , Whole Lime(Classic/Premium)
100% One Loan 580 score
0x90 Rent Free/ NoVOR,
One day out of BK
No Limit on charge-offs
No high credit on trades
Stated with 660
2-4 units

Lime Combo
80/20
55% DTI on full doc & bank statements
$1.2 million with reserves
$900K without reserves
Stated 1x30 VOM $1 million
Rent Free allowed with reserves
No CCC seasoning
$250K cashout
2 units allowed to $700K(combined)
Rural allowed (full doc and bank statements)

Lime Reserve
Fixed Rate or HELOC to 100%cltv(stand alone or combo)
HELOC allows stated W2
Can be combined with a 1st from SubLime(to 95% cltv) or Lime Combo(to100%cltv)
2nd homes allowed to 95% cltv on full doc and bank statements
36mo credit history
0x30
Institutional VOR or cancelled checks
2.5x payment shock
Business bank statements not allowed
max 80%cltv on rural


For more info contact Andrew @ 951.840.7923 or aavilla@limefinancial.com

[investaid_corp]

550 Full Doc 100%
580 Stated 100% Self-Employed or Wage Earner

FTHB's OK!!
Private VOR's ALL Products
"Rent Free" ok with 580 Score
6% Concessions ALL Products
Co-Applicant OK with sub 500 Score

NON-Owner NICHE

600 Full Doc 100% Full Doc SFR
650 Stated 100% SFR
NO RESERVES ALL NON OWNER PRODUCTS

660 Full or Stated 2 units 100%
680 Full or Stated 3-4 units 100%

Call me if I can help and we are in the state you do business in.

Gary P.
Account Executive
Investaid Corp.
(248) 219-1066 Cell
(248) 721-4887 Fax
gary@investaidcorp.com
www.investaidcorp.com

Lending in the following states:
MI, OH, KY, AZ, IN, FL, MO, CO, NV, WI, WI
“ALL wholesale, NO retail”

[blueline]

We can fund Hard Money HELOC's to 77% LTV/CLTV.

Stated Income – OK. Foreclosure Bailouts – OK. 2nd’s and 3rd’s. Any score, any mortgage history. No Pre-Pay.

Call 323.900.2383 for Steve

Blue Line Wholesale Lending
States: CA, NV, AZ, WA, OR, ID, or UT.

[Bob Bowers]

No sourcing/seasoning funds, no VOR, no reserves

40 yr arm full/stated with 500 credit

unlimited 30/60/90's

1 day out of BK

6 months bank statements to 100%
12 biz bank statements to 90%

jumbo 1.25 million products.

huge YSP

Robert Bowers
inside account executive first street financial
866/919/9929 xtn 288
robertbowers@firststreetfinancial.com

[Bob Bowers]

1 day out of BK up to 100% full doc
scores to 500…..
unlimited cash out at 75%
9 months seasoning to 90%
1 month out of nod to 70
stated wage earner to 500 score up to 70%
Unlimited 30s, 60s, 90s Rolling or not.
Up to 90% NOO 4 units and I/O
All Products 1 day out of BK
No Reserves required
Qualify on the I/O Payment
I/O N/O/O
40 Year Arm with 500mid on all products
1 trade to 95
no reserves
550 fico 95%
HUGE REBATES .40 for 1 back add 1 for 2.25 back

Robert Bowers
Inside Account Executive
First Street Financial
866-919-9929 ext 288
robertbowers@firststreetfinancial.com

[brihabes]

85% to $1 Million with 540 FICO
Full or Stated Doc, Cash-Out OK!



Elite Solutions:
70% to 1.4 Million with 500 FICO OK!
80% to $1.25 Million with 500 FICO OK!
(Exceptions to $2,000,000)

Rolling 30's, 60's, 90's, OK!
40 year Amortization with 520 FICO OK!
55% DTI up to 100% LTV OK!
No Seasoning on BK's OK!
6 Months Seasoning for Cash Out using Current Value!

Simple Solutions:
Stated Income to 85% with 560 FICO OK!
Interest Only with 560 FICO OK!
100% to $1,000,000 OK!
Chapter 13 BK buyout OK!
12 Months Bank Statements same as Full Doc OK!

Pricing Specials for May Submissions:
.50% off the interest rate on any full doc loans
.30% off the interest rate on any stated income loans

Note: certain counties reduce loan amounts by $200,000 . . . see rate sheet


Brian Haber
Commitment Lending
(800)969-8122 ext 2403