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The Vault is designed for owner occupied and second home borrowers who require flexibility in mortgage history, credit history, and/or payment and documentation options. This program offers expanded credit parameters for multiple borrower profiles while utilizing many cascading document types to further address specific income circumstances in the demonstration of ability to repay.

• 12 or 24 Months Bank Statements
• 1 Year Full Doc for All Programs
• P&L Only
• VOE Only
• Limited Credit allowed
• 600 minimum FICO
• Loans to $3.5 Million
• C/O to $2 Million
• C/O used as reserves
• DTI to 55%
• 90% to $1.5mm
• 40 year amortization to qualify
• 5/1, 7/1 ARMs; 30year fixed; 40year IO
• IO option
• Expansive property types including non-warrantable condos
• Foreign Nationals eligible

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