Consumer Express
For the owner-occupied borrower with less than perfect credit, challenges with proof of income or just need to close quickly. ACG offers consumers the ease of financing with lower than expected rates. This program varies between traditional income documentation to alternative forms of proof of income documentation. Athas even finances borrowers with FICO scores as low as 350! Our maximum DTI is as high as 55% with LTV’s as high as 90%. We offer a creative solution for hard to finance owner-occupied homes.
• Alternative Doc: VOE only, 1099 only, K1 only and P&L only
• Traditional Alt Doc: 12 and 24 months personal or business bank statements
• Traditional Full Doc: W2’s & Paystub (wage earner), 1040’s (self-employed)
• $100,000 – $5,000,000. Exceptions considered for larger loan amounts
• Lending to Individuals and Trusts
• 5/1, 7/1 arms and 30 year fixed
• DTI’s up to 55%
• LTV’s up to 90%
• No liquid cash reserves needed up to 90% LTV
• Rates as low as 6.99%
• Property Types Include: SFR, Townhouse, Condo, Condotels and 2-4 Units
• 100% Gift Funds – OK
• Gift of Equity-OK
• Non-Warrantable Condo – OK
• Condotels – OK
• Lease Option Buyout Using Current Appraised Value – OK
• Rural Properties – OK
• Green Card Holder – OK
• ITIN Borrowers With Valid Work Visa– OK
Business Purpose - DSCR
Borrowers looking to refinance N/O/O SFR, Condo, and 2-4-Unit Properties can look for some of the best rates in the Non-QM industry with our Business Purpose Program. Long term (30 years) loans with NO balloon payments and interest-only options are available. You can count on many options for prepayment privileges and impounding for your property taxes/insurance.
• FICO Scores Down to 600
• No Income Proof Needed
• All Loans Are N.I.V. (No Income Verified)
• No Income Stated on 1003
• LTV up to 80%
• No DTI Ratios
• DSCR Ratios as low as 0.70
• Rates as low as 6.99%
• Up to a 3 Point Rebate
• Loan Amounts from $100,000 – $4,000,000. Exceptions considered for larger loan amounts
• Lending to LLC’s, LLP’s, S-Corp, C-Corps, Trusts or Individuals.
• Property Types Include: SFR, Townhouse, Condo, 2-4 Units
• Interest-Only Option Available
• Rural Properties – OK
• Recently Listed Properties – OK
• Foreign Nationals – OK
• 100% Gift Funds – OK
Business Purpose – No DSCR
Borrowers looking to refinance N/O/O SFR, Townhouse, Condo, Condotel, and 2-4 Unit Properties can look for some of the best rates in the Non-QM industry with our Business Purpose Program. Long term (30 years) loans with NO balloon payments and interest-only options are available. You can count on many options for prepayment privileges and impounding for your property taxes/insurance.
• FICO scores down to 550
• No Balloon payments – 30 year fully amortized
• No Income Proof Needed
• All Loans are N.I.V. (No Income Verified)
• No Income stated on 1003
• LTV up to 80%
• No DTI Ratios
• No DSCR calculated
• Rates as low as 7.875%
• Up to a 3 Point Rebate
• Loan Amounts from $100,000 – $4,000,000. Exceptions considered for larger loan amounts
• Lending to LLC’s, LLP’s, S-Corp, C-Corps, Trusts or Individuals
• Property Types Include: SFR, Townhouse, Condo, Condotels, 2-4 Units
• Non-warrantable condos – OK
• Interest-Only Option Available
• Partial and 100% Gift Funds Allowed (contact us for more details)
• Exceptional LTV’s for Foreign Nationals!
• Exceptional LTV’s for Cash Out!
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Athas Capital Group, Inc.
27001 Agoura Road Suite 200 Calabasas Hills, CA 91301
Phone: 1-877-877-1477
Email: [email protected]
Licensed under the Department of Business Oversight California Financing Lender Law. Loans made or arranged pursuant to a California Financing Lenders Law License # 603 F869 NMLS# 275237