NO RATIO CONSTRUCTION

WE ARE CONSTRUCTION SPECIALISTS

 

NO RATIO CONSTRUCTION

    Up to 95% financing for owner occupied/second home property including lot

    Income is NOT reported & NOT stated  -  must be blank on application

    Employment is required (position stated) and will be verified

    Assets must be stated and will be verified

    One closing only  -  save on closing costs.

    Minimum 660 credit score  =  90% LTV

    Up to 95% LTV with minimum 700 credit score

    NO investment property  (Primary & second home only)

    Use your equity in lot in lieu of cash down payment

    Jumbo loan available for this construction program

    Salaried:  Two years employment same line of work

    Self-Employed:  Owned business/ received income for two years - Verification of business through a third party is required, i.e. business license, CPA's letter, confirmation of a phone directory listing.   

    No income verification  (Stated Income)  program available

    Fixed & adjustable rates available

    Minimum 6 months cash reserves

 

Construction Programs   ▪   Construction Appraised Value   ▪   Construction No Income

 

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