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CalHFACalHFACalHFA
CalReady & CalPLUS AccessCalReady & CalPLUS AccessCalReady & CalPLUS Access
Conventional Programs OverviewConventional Programs OverviewConventional Programs Overview
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Non-QM Debt ConsolidationNon-QM Debt ConsolidationNon-QM Debt Consolidation
Non-QM ITIN DSCR InvestorNon-QM ITIN DSCR InvestorNon-QM ITIN DSCR Investor
Non-QM Investor ProgramsNon-QM Investor ProgramsNon-QM Investor Programs
Non-QM 60 Month Asset UtilizationNon-QM 60 Month Asset UtilizationNon-QM 60 Month Asset Utilization
Non-QM 40 Year IONon-QM 40 Year IONon-QM 40 Year IO
Manufactured Homes – Programs AllowedManufactured Homes – Programs AllowedManufactured Homes – Programs Allowed
Non-QM DSCR Short Term RentalsNon-QM DSCR Short Term RentalsNon-QM DSCR Short Term Rentals
Just Funded
Non-QM 1099Non-QM 1099Non-QM 1099
Non-QM BPC to 6.999%Non-QM BPC to 6.999%Non-QM BPC to 6.999%
Closed-End Second MortgagesClosed-End Second MortgagesClosed-End Second Mortgages
Non-QM BuydownsNon-QM BuydownsNon-QM Buydowns
#2 in Non-QM Scotsman Guide#2 in Non-QM Scotsman Guide
Non-QM BuilderNon-QM BuilderNon-QM Builder
Non-QM Bank StatementsNon-QM Bank StatementsNon-QM Bank Statements
Non-QM DSCR 85% LTVNon-QM DSCR 85% LTVNon-QM DSCR 85% LTV
Non-QM $4 MillionNon-QM $4 MillionNon-QM $4 Million
Overview Loan ProgramsOverview Loan Programs
USDAUSDAUSDA
Non-QM DSCR for InvestorsNon-QM DSCR for InvestorsNon-QM DSCR for Investors
Moved
Conventional ARMsConventional ARMsConventional ARMs
Non-QM UpgradeNon-QM Upgrade
Prime PurchasePrime PurchasePrime Purchase
2-1 and 1-0 Buydown2-1 and 1-0 Buydown2-1 and 1-0 Buydown
Non-QM DSCR .75 RatioNon-QM DSCR .75 RatioNon-QM DSCR .75 Ratio
VA BuydownsVA BuydownsVA Buydowns
FNMA 95% LTV ProgramsFNMA 95% LTV ProgramsFNMA 95% LTV Programs
HomeReady 2-1 BuydownHomeReady 2-1 BuydownHomeReady 2-1 Buydown
Non-QM Bank Statements – Service & Tip IndustryNon-QM Bank Statements – Service & Tip IndustryNon-QM Bank Statements – Service & Tip Industry
Non-QM 1 YR Self-EmployedNon-QM 1 YR Self-EmployedNon-QM 1 YR Self-Employed
Business PurposeBusiness Purpose
Non-QM DSCR Non-Warrantable CondosNon-QM DSCR Non-Warrantable CondosNon-QM DSCR Non-Warrantable Condos
Non-QM 40-Year ProgramNon-QM 40-Year ProgramNon-QM 40-Year Program
BK Timeline FlyerBK Timeline Flyer
FHA ARMsFHA ARMsFHA ARMs
FHA PurchaseFHA PurchaseFHA Purchase
VA PurchaseVA PurchaseVA Purchase
HomeReadyHomeReadyHomeReady
FHA Home Loan ProgramsFHA Home Loan ProgramsFHA Home Loan Programs
No FICO on FHA or VANo FICO on FHA or VANo FICO on FHA or VA
Non-QM Foreign NationalNon-QM Foreign NationalNon-QM Foreign National
Non-QM DSCR 5-8 Unit ResidentialNon-QM DSCR 5-8 Unit ResidentialNon-QM DSCR 5-8 Unit Residential
Jumbo ProgramsJumbo ProgramsJumbo Programs
Non-QM 90% LTV PurchaseNon-QM 90% LTV PurchaseNon-QM 90% LTV Purchase
Non-QM WVOENon-QM WVOENon-QM WVOE
Non-QM ITINNon-QM ITINNon-QM ITIN
Non-QM WVOE Professional Pro PlusNon-QM WVOE Professional Pro PlusNon-QM WVOE Professional Pro Plus
DPA PRODPA PRODPA PRO
DPA PRO Home AdvantageDPA PRO Home AdvantageDPA PRO Home Advantage
VA 100% Cash OutVA 100% Cash OutVA 100% Cash Out
DPA PRO PlusDPA PRO PlusDPA PRO Plus
DPA Programs in WADPA Programs in WADPA Programs in WA
Home PossibleHome PossibleHome Possible
Non-QM DSCR FusionNon-QM DSCR FusionNon-QM DSCR Fusion
Non-QM DSCR No RatioNon-QM DSCR No RatioNon-QM DSCR No Ratio
Non-QM Profit & Loss ProgramNon-QM Profit & Loss ProgramNon-QM Profit & Loss Program
Non-QM ProfessionalNon-QM ProfessionalNon-QM Professional
FHA Cashout RefinanceFHA Cashout RefinanceFHA Cashout Refiance
DPA Pro and CALHFADPA Pro and CALHFADPA Pro and CALHFA
VA ARMsVA ARMsVA ARMs
VA Mortgage ProgramsVA Mortgage ProgramsVA Mortgage Programs
Government Programs OverviewGovernment Programs OverviewGovernment Programs Overview
Alt AgencyAlt AgencyAlt Agency
Non-QM Closed-End SecondsNon-QM Closed-End SecondsNon-QM Closed-End Seconds
HELOCproHELOCproHELOCpro
No Minimum Tradeline RequirementsNo Minimum Tradeline Requirements
Non-QM Programs OverviewNon-QM Programs OverviewNon-QM Programs Overview
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September Monthly SpecialsSeptember Monthly Specials