ONE-YEAR TAX RETURN PLUS YTD EARNINGS

F E A T U R E S

NQM PLUS

  • Min FICO 680
  • Max LTV 85%
  • Up to 50% DTI
  • Up to $2.5MM

W2 or 1099

  • One year W2's 0r 1099 & 4506-T W2 Transcripts
  • Most recent paystub including YTD (min 20 days) earnings
  • WVOE If using bonus, overtime, commission
  • Verbal VOE required withing 10 days of closing

NQM Core

  • Min FICO 680
  • Max LTV 90%
  • Up to 55% DTI
  • U[ to $3.0MM

Self - Employed:

  • 1-year personal and business tax returns
  • Borrower prepared YTD earnings summary - no CPA                    -If covering 9 mo + then 3 mo. bank statements required
  • Owner OCC
  • 2nd Home
  • Non-owner
  • Interest - Only 
  • Cash out 
 

Self-Employed borrowers qualified on the lower of:

  • Monthly avg of the tax return plus the earnings summary
    OR
  • Monthly net income from tax return time 115%

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This is not a commitment to lend. Restrictions may apply.  Additional conditions/exclusions may apply.