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Loan Products

Committed to Making Wholesale Lending Simple
With Loan Products That Fit Today’s Borrower Needs

At Unite we understand how important it to meet close of escrows and get borrowers into homes as quickly and conveniently as possible. With our aggressive product offering, industry leading pricing backed by our fast turn-times, and our broker focused company culture, you’ll see quickly why our goal is to make Wholesale Lending simple.

Investor Alt-Doc Programs

Bank Statement

12 or 24 Month Bank Statement option
Min FICO 660
Max Loan Amount $3M
Up to 75% LTV Purchase & R/T | 70% C/O
Gift Funds Allowed
Cash out can be used as reserves
FTHB okay!
Up to 55% DTI
Must be S/E for 2 years
    30 & 40 YR I/O
Personal or Business Bank
    Statements allowed

DSCR

Min FICO 660
Max Loan Amount $3M
Up to 80% LTV Purchase & R/T | 70% C/O
Gift Funds Allowed
Cash out can be used as reserves
FTHB and First Time Investors Allowed
Vacant Properties okay
1x30x12 allowed
Min DSCR .75
Bankruptcy seasoning as low as 12 months
DSCR = Gross Rent/PITI
Multiple I/O terms available including
    30 & 40 YR I/O
Pick your pre-payment penalty
    – None up to 5 years
Foreclosure & Short Sale seasoning
    as low as 24 months
Qualification based on subject property
    Debt Service Coverage Ratio (DSCR)

Primary & Second Homes

Purchase & R/T Max 75% LTV
Cash-out Max 70% LTV
Min FICO 660
Loan Amounts $150k – $3M
Gift Funds Allowed!
No 4506C/No Paystubs/
    No W2’s/No Tax Returns
Must be S/E for 2 years
P & L must be completed and
    signed by a CPA/EA
P & L covering the prior calendar year and
    a YTD P & L for the current year
Min Expense Factor : 20% for Service Business
    or 40% for a Product Business

Investment Properties

Purchase & R/T Max 75% LTV
Cash-out Max 70% LTV
Max Cash-in-Hand $1M

One Year Full Doc

Purchase & R/T Max 75% LTV
Cash-Out Max 75% LTV
Min FICO 660
Loan Amounts $150k – $3M
Gift Funds Allowed!
Transferred Appraisals Allowed
W2 Borrowers: 1 year most recent W2 or
     1 year tax returns plus 30 days paystubs
S/E Borrowers: YTD P&L

Two Year Full Doc

Purchase & R/T Max 75% LTV
Cash-Out Max 70% LTV
Min FICO 660
Loan Amounts $150k – $3M
Gift Funds Allowed!
Transferred Appraisals Allowed
Most recent 2 years tax returns PLUS
        W2 Borrowers: WVOE or 30 day paystubs
            & 2 years W2’s
        S/E Borrowers: 1 year tax returns
            and YTD P&L

Investment Properties

Purchase & R/T Max 80% LTV
Cash-out Max 75% LTV
Max Cash-in-Hand $1M

Primary & Second Homes

Employment and Income NOT listed on 1003
Cash in Bank 100% | Stocks/Bonds
    /Mutual Funds 90% | IRA’s/401k 80%
Purchase & R/T Max 75% LTV
Cash-Out Max 70% LTV
Min FICO 660
Loan Amounts $150k – $3M
Gift Funds Allowed!
6 Months Statements required for each
    asset being used for qualifying
Can NOT use Business Funds or Crypto

Investment Properties

Purchase & R/T Max 75% LTV
Cash-out Max 70% LTV
Max Cash-in-Hand $1M

Alt-Doc Owner/Occupied Programs

12 & 24 Month Bank Statement Option

 Use any AMC | Transferred

    Appraisals Allowed

 Min FICO 660 | Max LTV 85% |

    Max $3M Loan Amount

Several Interest Only Options Available

 Gift Funds Allowed

 Cash-out Can be Used as Reserves

 FTHB Allowed

Primary & Second Homes

Purchase & R/T Max 75% LTV
Cash-out Max 70% LTV
Min FICO 660
Loan Amounts $150k – $3M
Gift Funds Allowed!
No 4506C/No Paystubs/
No W2’s/No Tax Returns
Must be S/E for 2 years
P & L must be completed and
signed by a CPA/EA
P & L covering the prior calendar year and
a YTD P & L for the current year
Min Expense Factor : 20% for Service Business
or 40% for a Product Business

Investment Properties

Purchase & R/T Max 75% LTV
Cash-out Max 70% LTV
Max Cash-in-Hand 500k

Primary & Second Homes

Employment and Income NOT listed on 1003
Cash in Bank 100% | Stocks/Bonds
/Mutual Funds 90% | IRA’s/401k 80%
Purchase & R/T Max 75% LTV
Cash-Out Max 70% LTV
Min FICO 660
Loan Amounts $150k – $3M
Gift Funds Allowed!
6 Months Statements required for each
asset being used for qualifying
Can NOT use Business Funds or Crypto

Investment Properties

Purchase & R/T Max 75% LTV
Cash-out Max 70% LTV
Max Cash-in-Hand 500k

Max 75% LTV Purchase & R/T

Max 70% LTV Cash-out

Min 660 FICO

 Loan Amounts $150k – $3M

 Gift Funds Allowed!

 No 4506C/No Paystubs/No W2’s

 FTHB Allowed!

 40 Year I/O & Other I/O Terms Available

 Cash-out can be used as reserves!

 Not available to borrowers employed by

    a family owned/managed business

ITIN Prime

LTV up to 80%

 DTI up to 60%

 12 Months Income Documentation

 Most Property Types Accepted

 Gift Funds Allowed

 No Visa Required

Valid ID

 Other Program Requirements Apply

 Cash-Out Refinance Available up to 75%*

*Not available in TX or with Credit score <640

Non Prime - DSCR No Ratio/Foreign National

No Minimum DSCR needed!

 Min 660 FICO

 Max 70% LTV

Min Loan Amount 100k

 Interest Only Options Available

    including 40 Year I/O!

 Cash-out can be Used as Reserves

 1-4 Unit Properties, Condo’s,

    & Townhomes Allowed

 NO Mixed Use

No US Credit Needed!

 If US Credit, Min 680 FICO

 DSCR & Full Doc Option!

Max 65% LTV

 Second Homes or Investment

    Properties

 First Time Investors Allowed!

 Vacant Properties Okay!

 Interest Only Option Available

 No Gift Funds Allowed

 6-12 Months Reserves

 Assets only need to be in the

    US 10 days prior to close

FHA

Minimum credit score: 600 AUS approved

 Non-Credit Qualifying Streamline refinances allowed

 Gift funds allowed for down payment and closing costs

 Cash out 80% LTV

VA

Minimum credit score: 600 AUS approved

Cash-out up to 90% LTV

Foreclosure/Short Sale/Bankruptcy <2 years

    allowed with AUS Approval

Conventional
Freddie Mac

Freddie Mac

Standard and High Balance

Rate/Term refinances allowed

HomePossible

Conventional
Fannie Mae

620 min score

 Fannie Mae

 Standard and High Balance

 HomeReady

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