VOE Only Program

Extended Guidelines

This loan is a portfolio product that offers innovative options for buyers that require alternative documentation types for meeting their home loan needs.

Credit score: 680 minimum
Property type: 1-4 Units, PUDS, Condos *
Occupancy: Primary residence
Down Payment: 20%
Loan to Value: 80%             CLTV: 85%
Gift Funds 100% Gift Ok on primary residences
Closing cost: Seller and/or lender can pay up to 6%
Debt Ratio: Up to 49%


Additional Notes:

  • No 4506T or Tax Returns required
  • No paystubs
  • Loan amounts up to $5 million
  • Income an employment verified by employer for last 2 years only.
  • 30 yrs fixed & 7/1 ARM option
  • Interest only available during fixed period
  • US Citizens and Permanent resident aliens only
  • Impounds are required

This page contains program highlights only. See sidebar links for further information and details.

All program are subject to change at anytime without any further notice


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