Keep Your Home - Avoid Foreclosure

Low Rates!

This program is highly competitive with bank rates offering rates within the mid 6s for
apartment bldgs and mid 7s for commercial bldgs. As the program is highly competitive
through low rates.
One major highlight other than low rates is it's low DCR requirement of 1.15 compared to
other program parameters at 1.20. Another highlight is the 40 Yr. amortization, available on
purchases of apartment bldgs.

Hardly No Documentation!

Allowing for a lower loan amount minimum compared to the premier program, this program is
designed for the smaller commercial deals. Although rates may be slightly
higher, this program allows for less documentation, an easier qualifying process and
ultimately faster closings.

Fast Closing!

Unbelievable! Yes, its true. This program separates itself from any other as there is no DCR
requirement needed for loan amounts up to 600k. It is very simple. FICO determines LTV and
the appraisal determines value. We fund thereafter.

Pre-approvals are issued in mere hours after submission. This program is unstoppable.

Almost 100% Financing!

When DCR fails, DTI is available and this program is by far the leader of the pack. Allowing up
to 80% DTI Ratios, there are only a few scenarios that do not get approved.
On top of alternate methods of qualifying, this program offers, by far, the highest loan-to-value
in the commercial marketplace; 97% for owner-occupied and 90% for investment properties.

This program is inherently a full documented program, however, when the property meets the
1.2 DCR requirement, the program reverts to a stated income program - for LTVs 80%. This option does not require the submission of tax returns.