Aspire Closed End Non-QM 2^nd– Highlights

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• Maximum loan amount $1 Million with a combined max loan amount of $5 Million
• Fixed terms (10/15/20/30)
• 30-Year Interest Only Option 
• 1 Year Full Doc or 12 Month Bank Statement Program

Montage Prime (Non-QM Full Doc)

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• Assets Only and 60 months Asset Allowance
• 90% LTV up to $2M
• 1-Year or 2-Year Full Doc options
• Exclude the departing residence from DTI

Apex Prime (Non-QM Alt Doc) 

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• 12- or 24-month Bank Statements up to 90% LTV
• 7 options for calculating income
• P&L Only – no bank statements provided
• Exclude the departing residence from DTI

Spectrum DSCR/No – Ratio 

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• DSCR can be down to 0 (true no-ratio)
• DSCR can be calculated off the Interest Only (IO) payment
• Foreign National loan program option 
• 620 Min FICO

Insignia (Jumbo Prime)

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• QM Jumbo Prime up to $3M (compete with bank pricing)
• Primary Residence, Second Home and Investment properties
• Minimum FICO 700
• Cash-out available up to 80% LTV