High net-worth borrowers often require special attention beyond traditional underwriting guidelines. These borrowers have unique credit history and financial stability. Our well-trained team supports you with structuring complex income scenarios to meet debt ratio guidelines. We’re dedicated to making the transaction smooth and seamless.
Overview:
- No pledged assets required
- Max 80% LTV
- Can be combined with all other sources of income
- Income is calculated using Advancial's asset depletion calculator
- Max loan amount of $5,000,000 including cash-out refinance
- All occupancy and collateral types allowed
| Program Details |
| Lending Area |
Available in all 50 states |
| Loan Sizes |
Up to $5 MM |
| Acceptable Collateral |
SFR, 1-4 Family, High-rise Condo, Condo, Condotel, Co-op, Acreage, Hobby Farms, Second Homes, NOO |
| LTV Loan Amount |
Up to 80% LTV allowed to $2.5 MM
See Rate Sheet for collateral LTV restrictions.
|
| Income |
May be combined with other income
See Asset Depletion Calculator Contact AE for details.
|
|
Foreign National Eligibility
(Non-U.S. Residents)
|
Yes
See Foreign National Program sheet for details.
|
| Work Visa/ Expatriate/ Immigrant Eligibility |
Yes
See Work Visa/Expatriate/Immigrant Loan Program sheet for details.
|
| Cash Out |
Loan amounts up to $5 MM with unlimited cash in hand
Cash out proceeds may be used in the Asset Depletion Calculator on a case by case basis.
No seasoning requirements on all collateral types including NOO
|
| Pre Approval |
All loans pre-approved before appraisal order “TBD Address” pre-approvals accepted |
| Non-Occupant Co-Borrowers |
Allowed at max 75% LTV
See Guidelines for details. |
| Rush Closings |
> 2 week rush closings available
Call your AE for details.
|
| Gifted down payment / Gifted Reserves / Gift of Equity |
Yes |