Loan Products Montage

Asset Qualifier

Qualify Using Assets, Not Income

For borrowers with substantial assets but little or no documented income, qualification can be driven entirely by assets — or assets can supplement traditional income.

Montage

Loans from $300K to $6M

  • • Assets Only Qualification — Assets Cover Down Payment, Loan Amount, Closing Costs, Prepaids and 60 Months of Net Loss
  • • Deplete Assets over 36, 60 or 84 Months
  • • Stocks, Bonds, Retirement, and Depository Accounts Eligible
  • • Can Exclude Departing Residence from DTI
  • • Max 90% LTV up to $1M, 85% up to $2M
  • • Minimum Credit Score: 660 FICO
  • • 30- or 40-Year Fixed Rate
Guidelines Matrix

Arete

Portfolio 1st Mortgage — Loans from $300K to $3M

  • • Asset Allowance Qualification up to 85% CLTV
  • • Owner-Occupied, Second Home, and 1-4 Unit Investment Properties
  • • Foreign National and Non-Permanent Resident Options
  • • Min. Credit Score: 660 FICO
  • • 30- or 40-Year Fixed and Interest-Only Available
Guidelines Matrix

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