Non-Prime Loan Programs
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Liberty Non-Prime Program
– For Self-Employed Borrowers
– People who have had a foreclosure or bankruptcy
– People who have had a prior tax lien on a property
– Foreign Nationals up to 75% LTV/CLTV
– Investors with up to 20 properties
– Up to 80% Financing
– Up to $2 million on select products
– DTI up to %50
– Minimum 500 FICO
Portfolio Select/Alt-A
– Rates Starting In The 5’s
– Up To 90% LTV With No MI
– 2 Years Seasoning Foreclosure, Short Sale, BK, DIL
– Loans Up To $2 million (Minimum Loan $75,000)
– Credit Scores Down To 620
– Cash Out For Reserves OK
– Gift Funds Allowed
– DTI Up To 50% Considered
– Owner-Occupied, 2nd Homes, Investment Properties
– Interest Only Program Available
– 5/1 ARM Or 30-Year Fixed
– No Pre-Payment Penalty For Owner-Occ And 2nd Homes
– SFRs, Townhomes, Condos, 2-4 Units
– Seller Concessions To 6% (2% For Investment)
– Non-Warrantable Condos Considered
– Up To 100% Investor Concentration Allowed
Non-Prime/Recent Housing Event
– 1 Day Out Of Foreclosure, Short Sale, BK, DIL
– Rates Starting In The 5’s
– Loans Up To $1 Million (Over $1M Case By Case)
– Credit Scores Down To 500 (Including Jumbo Loans)
– Up To 85% LTV With No MI
– Mortgage Lates Are OK
– 100% Gift Funds Allowed
– DTI Up To 50% Considered
– Owner-Occupied, 2nd Homes, Investment Properties
– 5/1 ARM Or 30-Year Fixed
– No Pre-Payment For Owner-Occupied And 2nd Homes
– No Active Tradelines OK With Housing History
– SFRs, Townhomes, Condos, 2-4 Units
– Seller Concessions To 6% (2% For Investment)
– Non-Warrantable Condos Considered
– Up To 100% Investor Concentration Allowed
Bank Statement ARMs
– No Tax Returns/Transcripts Required
– 12 Month Bank Statements Now Available
– 24 Months Bank Statements (Personal Or Business)
– Loans Up To $2 million (Min Loan Amount $150,000)
– Credit Scores Down To 620
– Rates Starting In The Low 5’s
– Personal To 90% LTV (No MI), Business To 80% LTV
– DTI Above 35/43 Considered With 660+ Credit Score
– Owner-Occupied, 2nd Homes, Investment Properties
– 2 Years Seasoning Foreclosure, Short Sale, BK, DIL
– Non-Warrantable Condos Considered
– 5/1 ARM Or 30-Year FixedGift Funds Allowed
– No Pre-Payment Penalty For Owner-Occ And 2nd Homes
– SFRs, Townhomes, Condos, 2-4 Units
– Seller Concessions To 6% (2% For Investment)
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