Our Mortgage Products

We believe your borrowers deserve the Luxury Mortgage experience. Our wide selection of products makes it easier for your borrowers to become homeowners and build wealth through real estate investing, and easier for you to grow successfully.

Simple Access TM A Non-QM portfolio loan Program

It shouldn’t be complicated to finance a home! We saw a need for common sense solutions for self-employed borrowers and those with non-traditional income. Our Simple Access products are just that…simple, flexible, and straightforward.

Bank Statement

Qualify based on analysis of bank deposits rather than traditional income documentation. No tax returns required. Business or personal bank statements are permitted. Choose from several options for calculating qualifying income.

Program Highlights:

  • Loan amounts to $4 million
  • DTI up to 50% by guideline, higher by exception
  • Interest Only available with 30 or 40-year term
  • 5/1, 7/1, 10/1 ARM, 15, 30, and 40 FRM (40 year IO only)
  • Borrow up to 90% of the property value
  • Fixed and Adjustable rate options
  • All occupancy types allowed

Asset Qualifier

Eligibility is based on liquid assets in a savings or securities account. No need for tax returns or traditional income documentation. Allows homebuyers to use assets for qualification without tying them up for a home purchase.

Program Highlights:

  • Loan amounts to $4 million
  • Credit scores down to 580
  • Borrow up to 90% of the property value
  • Fixed and Adjustable rate options
  • Interest only available with 30 or 40 year loan term
  • No income documentation required or DTI developed
  • All occupancy types allowed
  • 5/1, 7/1, 10/1 ARM, 15, 30 and 40 FRM (40 year IO only)

Investor Cash Flow

Created specifically for investors, qualification is based on the income to be generated by the subject property. It’s no longer necessary to have large amounts of cash on hand to build a real estate portfolio.

Program Highlights:

  • Loan amounts to $3 million
  • Fixed and Adjustable rate options
  • Borrow up to 85% of the property value
  • Interest Only available up to 80% LTV
  • No DTI developed or employment verified
  • 5/1, 7/1, 10/1 ARM, 15 and 30 FRM
  • Recent credit events allowed
  • Credit scores down to 580

Full Doc

A solution for scenarios that don’t quite fit the guidelines for conventional financing. Qualification focuses on the borrower’s ability to repay based on common sense underwriting, and perfect credit is not required.

Program Highlights:

  • Loan amounts to $4 million
  • DTI up to 50% by guideline, higher by exception
  • Interest Only available with 30 or 40-year term
  • 5/1, 7/1, 10/1 ARM, 15, 30 and 40 FRM (40 year IO only)
  • All occupancy types allowed
  • Fixed and Adjustable rate options

Centurion

The Luxury Mortgage answer to Jumbo Lending. Home loans for high value properties through full documentation loans for prime credit applicants. Loan amounts up to $5 million.

Jumbo Mortgages

We provide flexible financing solutions and large loan amounts to accommodate a wide variety of jumbo purchase and refinance scenarios. Attractive terms for your most discerning clients.

Program Highlights:

  • Only one appraisal required up to $1.5 million in some markets
  • Multiple income sources allowed
  • All occupancy types permitted
  • Multiple financed properties ok
  • No Mortgage Insurance Required
  • Very competitive formula for using assets as income