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- Income is said and never verified.  
- Purchase, charge and term, or cash out refinance. Undocumented aliens with ITIN numbers are usually not allowed beneath this program.  
- Documented skill to repay may be applicable underneath certain situations.  
- US residents, permanent resident aliens, and overseas nationals with valid passport and US visa are allowed.  
- $5,000,000 maximum loan amount.  
- 500 minimum credit score rating required.  
- Up to 65% mortgage-to-worth for money-out refinances (see pointers).  
- SFR, PUDs, condos, townhouses, and 2-4 units allowed.  
- Proprietor-user, second home or funding properties.  
- Mixed-use residential property with commercial influence allowed on case-by-case foundation.  
- $100,000 minimal mortgage amount.  
- As much as 70% loan-to-value for purchases and fee/time period refinances (see tips).  
- No reserves required.  
  
 
- All loans require impounding of property taxes and hazard insurance coverage. - Property have to be positioned within the State of California.  
- No prepayment penalty.  
  
 
  
  
To obtain underwriting guidelines  
  
for our arduous money mortgage program:  
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