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Non-Delegated Loan Programs

Rainier Non-QM

 

  • Full Doc & Alt Doc Options
  • 700 Minimum Credit Score
  • Up To 80% LTV For Purchases
  • Up To 75% LTV For Cash-Out Refinances
  • Loan Amounts Up To $2.5M
  • Allowed 0x30x24 Housing History
  • Primary, Secondary & Investment Properties
Rainier Non-QM Matrix

Sequoia Non-QM

  • Full Doc & Alt Doc Options
  • 660 Minimum Credit Score
  • Up To 90% LTV For Purchases
  • Up To 80% LTV For Cash-Out Refinances
  • Loan Amounts Up To $5M
  • Allowed 0x30x12 Housing History
  • Primary, Secondary & Investment Properties
Sequoia Non-QM Matrix

Sequoia Non-QM ITIN 

  • No Social Security Number Required
  • Qualify With All Doc Types: Full Doc, 12/24 Month Business or Personal Bank Statements, 1099, CPA Letter or CPA Gross Receipts
  • Credit Scores as low as 660
  • Up to 80% LTV
  • Expanded Matrix Available
Sequoia Non-QM ITIN Matrix
Sequoia Non-QM ITIN Expanded Matrix

Sequoia DSCR

  • DSCR Ratio => 0.8
  • Short & Long Term Rental Options
  • 1-4 Units
  • 640 Minimum Credit Score
  • Up to 80% LTV For Purchases
  • Up To 75% LTV For Cash-Out
  • Loan Amounts Up To $2.5 Million
  • Foreign Nationals Allowed
Sequoia DSCR Matrix
Sequoia DSCR Foreign National Matrix