Liberty Mortgage
4415 West Harrison Suite 326 Hillside, IL 60162
Phone: 773-677-6460 Fax: 773-439-2450 Email: libmtg@yahoo.com NMLS 1807234
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Rep:…. ……Robert Roe:……818-669-0490
Email:…….
Web Site: Click Heree
Rate Sheet: Click Here
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Programs.
24 Months Bank Statements
* We utilized 100% of the business deposits as income (personal, business and co-mingled)
* 90% LTV for purchases
* 5 ways to structure income on my bank statements
* We can use supplement income such as W2, rental and assets
* Interest only is available 80% LTV
* Fico as low as 620
* Back end DTI is up to 55%
* 12 months from Recent housing events (BK, foreclosures, mods and short sale)
* Loan up to 4 million
* 40 years fixed fully amortized
* Non Warrantable condo
Profit & loss (stated for self-employed)
* 80% LTV for purchases
* No docs upfront
* Non Warrantable condo
* No Bank statements required
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Full doc
* 12 months from Recent housing events (BK, foreclosures, mods and short sale)
* DU ineligible or refer caution I can help
* 40 years fixed fully amortized
* Loans up to 4 million
* Non Warrantable condo
* 620 min fico
* Back end DTI is up to 55%
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ITIN Full Doc
* Up to 90% LTV 720 FICO Score
* Up to 85% LTV 700 FICO Score
* Up to 80% LTV 660 FICO Score
* Passport
* Bank Statements
* Erroneous social on W2, paystub and credit report
* DACA is acceptable
* No Visa requirements
* Seller concessions up to 6%
* Non-Warrantable condo
* 100% Gift funds are allowed
* Gift of equity is acceptable
* Cash out allowed
* Cash out proceeds may be used for reserve requirements
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ITIN 24 months Bank statements
* We utilized 100% of the business deposit as income (personal, business and co-mingled)
* Up to 80% max LTV
* No Visa requirements
* Asylum seeker C08 acceptable
* Up to 50% back end DTI
* Seller concessions up to 6%
* 7/1 Arm available
* 100% gift funds are allowed
* Gift of equity is acceptable
* Cash out allowed
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ITIN DSCR (only lender offering this)
* 65% Max LTV
* 60% if ratios are 0.80- 0.99
* Up to 1 million loan amounts
* Gift funds are allowed
* Gift of equity allowed
* Cash out allowed
* Unleased Property
* Short term rental income
* Seller concession up to 3%
* Cash out proceeds may be used for reserve requirements
.DSCR
* Up to 80% LTV
* Interest only available
* First time investor
* No primary residence
* Fico as low as 640
* Non Warrantable condo.
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1 year 1099
* 80% LTV
* 1 year 1099 only
* Non Warrantable condo
* 90% net margin (10% expense factor)
* 50% back end ratio.
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Written Verification of Employment
* No tax return
* No pay stubs
* No w2
* 75% Max LTV
* First Time Home Buyer.
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Foreign National Second Home and DSCR
* Up to 75% LTV
* No docs needed upfront (DSCR only)
* Foreign credit
* F1 Visa,
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2nd Mortgage Stand-Alone
* 75% -80% CLTV
* Minimum loan amount 200k
* Maximum loan amount 450k