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ATR-IN-FULL

Qualify with enough liquid assets to cover the loan balance

Program Details:

  • Borrower does not have to be currently employed
  • Only show two months of statements for qualifying account
  • 75% Max LTV Purchase
  • 70% Max LTV Refinance
  • Owner-Occupied only
  • Down to 600 credit score
  • Can use Liquid Assets

3-MONTH BANK STATEMENT

Qualify with most recent Personal or Business Account’s Bank Statements

Program Details:

  • Up to $3M Loan Amounts
  • 75% Max LTV Purchases
  • 70% Max LTV Refinance
  • Self-Employed Borrowers Only
  • 675 or greater credit scores
  • Owner Occupied Only
  • First Time Home Buyers considered at lower LTV
  • Transfers can be used for qualifying income

12-MONTH BANK STATEMENT

Qualify with 100% on Personal Account Deposits and 50% on Business Account Deposits (12 consecutive months)

Program Details:

  • Up to $4M Loan Amounts
  • Up to 90% Max LTV
  • Self-Employed and 1099 Borrowers
  • 600 or greater credit scores
  • No reserves required at 75% or less LTV
  • No 4506T / No K1’s / No P&L’s
  • No MI

Investor Cash Flow

Available on SFRs, 2-4 Units, Condos, Townhomes, Condotels, and Non-Warrantable Condos

Program Details:

  • Qualify on cash flow – 12 mths reserves required for negative cash flow, Ratio ≤ 1:1, cash-out can be used to cover reserves
  • Loan amounts up to $2M
  • Non-Owner Occupied only
  • No reserves required ≤ 75% LTV
  • No income or job verification
  • 5yr / 7yr ARM & 30-year Fixed
  • Reconciled rent estimate based on 1007 or lease agreement
  • LPC & Borrower Paid Comp Available (or a combination of the two up to 3 points)

FOREIGN NATIONAL

Letter of good standing with current financial institution or international credit report. 

Program Details:

  • 1 to 4-unit properties
  • Loan amounts up to $2M
  • No income, job, or credit required
  • No Reserves
  • Non-Owner Occupied only
  • 5yr / 7yr ARM & 30-year Fixed
  • 70% Max LTV Purchase
  • 65% Max LTV Refinance
  • Condotels/Pudtels Allowed

INTEREST ONLY

Interest Only program offers loan amounts up to $4M (O/O) with an 90% maximum LTV

Program Details:

  • 650 minimum credit score
  • Owner Occupied, Non-Owner Occupied, and 2nd Homes
  • Loan amounts up to $4M (O/O)
  • Available on 5/1 and 7/1 ARM
  • Max LTV up to 90%

Download Interest Only Calculator (Excel)

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ITIN

Individual Taxpayer Identification Number

Program Details:

  • Qualify Full Doc or 12-Month Bank Statement for SE
  • No Reserves required ≤ 75% LTV
  • 2-year income history
  • Valid U.S. government-issued ID
  • 80% Max LTV Purchase
  • 80% Max LTV Refinance
  • Loan amounts up to $1M

Jumbo Non-QM

Qualify with Full Doc or Bank Statements

Program Details:

  • Loan Amounts up to $4M
  • I/O available with a 650+ FICO
  • C/O available with no max cash in hand depending on LTV
  • Foreign National
  • No reserve requirements at or below 75% LTV, C/O proceeds can be used for reserves above 75% LTV
  • Can use transferred appraisals

Jumbo Prime

Offering the Most Competitive Jumbo Prime in the Market

Program Details:

  • Rates as low as 2.375%
  • Lender Credits can be applied towards Broker Comp
  • Business funds can be used for reserves (Must be 100% owner)
  • Transferred Appraisals OK
  • No MI, Impounds can be waived
  • C/O up to $500K
  • Quick Loan Inquiry

    Please complete this loan questionnaire and you will receive a swift reply from a Acra Lending representative.










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