No Income/ Employment Verification
ALLY EQUITY FIRST
No Min. FICO Required
O/O No Ratio solution built for borrowers with equity, not perfect credit.
Competitive Non-QM Mortgage Solutions for Every Opportunity
CDFI-eligible rate and price improvements available on all loan programs
PRIMARY RESIDENCE and SeCOND HOMES
No Income/ Employment Verification
ALLY
No Ratio
Mission-driven No Ratio product to serve the nation's most diverse and underbanked borrowers.
NEW! Alt-Doc
ACTIVATOR EQUITY FIRST
Alt-Doc | Primary & Second Homes
1-year income, self-employed tax returns, retirement funds, 12-months personal or business bank statements, P&L only.
Alt-Doc
ACTIVATOR
Alt-Doc | Non-Traditional Borrowers
Bank Statements, P&L-only, 1099-only, WVOE-only, and Asset Depletion options.
Full-Doc
ACTIVATOR
Primary & Second Homes
Pathway for borrowers with diverse financial profiles (small business owners, self-employed, etc).
Super Jumbo Full/Alt-Doc
UP TO $5M
Primary Residence
Properties exceeding agency loan limits can qualify with Non-QM using a variety of documentation types.
Investment properties
DSCR
NEW! EQUITY FIRST
No Min. FICO Required
DSCR solution built for borrowers with equity, not perfect credit.
DSCR 1-4 Unit
ACCELERATOR
DSCR ≥ .75 + No Ratio
Financing solution investment properties that can build equity and increase cash-flow.
DSCR 5-8 Unit
ACCELERATOR
5-8 Unit | DSCR > 1.0
Qualify using investment property's cash flow/income using a debt-to-service ratio.
Alt-Doc
ACCELERATOR
Alt-Doc | Investment Properties
12-Month Business or Personal Bank Statements, P&L-only, 1099-only, WVOE-only, and Asset Utilization options.
Full-Doc
ACCELERATOR
Investment Properties
W2, Tax Returns, and Retirement for Primary, Second, and Investment properties.
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