Loan Products 
Non-QM Full Doc Program
Expanded Full Doc and Asset Qualification
These programs feature increased LTVs and higher DTI allowance to help borrowers who just miss qualifying for conventional full doc programs. Besides 1- or 2-year full doc, we can also qualify with assets.
Does your borrower have plenty of assets to afford a home but little to no income? Try assets-only qualification. Our exception-based non-QM full doc programs are Montage and Arete.
Montage
Loans from $300K to $10M
- • Assets Only and 36, 60 or 84-Month Asset Allowance
- • 1- or 2-Year Full Doc Option
- • Can Exclude Departing Residence from DTI
- • Max 90% CLTV up to $1M, 85% up to $2M
- • Minimum Credit Score: 660 FICO
- • 30- or 40-Year Fixed Rate
Arete
Portfolio 1st Mortgage — Loans from $300K to $3M
- • Full Doc W2 / Tax Return Qualification
- • Up to 90% CLTV on Owner-Occupied Purchases
- • DTI up to 50%
- • Foreign National and Non-Permanent Resident Options
- • Min. Credit Score: 660 FICO
- • 30- or 40-Year Fixed and Interest-Only Available