Michael Fehrenbacher

Non-Warrantable Condos Up to 100% investor concentration New construction: minimum 25% sold & closed Credit scores starting at 500 Up to 90% LTV Up to 50% DTI Loans up to $2 million TEXT ME - on any Questions!!!!!!! Michael Fehrenbacher 312-600-4410

Loans Available down to 500 Credit Score Down to 500 Credit Score Non-Prime Program Mortgage Solutions for FHA /Fannie / Freddie Loan DENIALS 1 day out of foreclosure, short sale, BK, DIL Rates starting in the low 5’s Loans up to $1 million Credit scores down to 500 Up to 85% LTV DTI 40/45 - up to 50% considered Gifts Allowed Owner-occupied, 2nd homes, and investment properties Non-warrantable condos considered Jumbo loans down to 620 score 5/1 ARM or 30-year fixed No pre-payment penalty for owner-occ and 2nd homes No active tradelines OK with housing history SFRs, town homes, condos, 2-4 units Seller concessions to 6% (2% for investment)

Bank Statement Program For Self-Employed Borrowers 24 months business bank statements to 90% LTV w/ no MI 12 month personal bank statements to 90% LTV w/ no MI Simple third party prepared expense statement required 2 years seasoning FC, SS, BK, or DIL No tax returns/transcripts required DTI above 35/43 considered with 660+ credit score Loans up to $3 million (minimum loan $150,000) Quick and easy income calculation worksheet provided Credit scores starting at 620 (no multi-family properties) First-time homebuyers OK (subject to additional guidelines) Portfolio Select/Alt-A Program (Perfect For Jumbo Borrowers) Up to 90% LTV (purchase & R/T) Up to 85% LTV (cash-out) w/ no MI 2 years seasoning FC, SS, BK, or DIL Recently discharged BK 13 to 90% LTV (if paid as agreed 24 Mos) Loans up to $3 million (minimum loan $75,000) Cash out for reserves OK Credit scores starting at 600 Max 1x30 mortgage lates OK last 12 months Option to qualify w...