fbpx

Our
Products

A Full Spectrum of Loans
  • NEW!

    InvestorWyse+

    InvestorWyse+ provides loan options that offer qualified borrowers debt service coverage ratio (DSCR) programs for the professional investor. The DSCR qualifies the borrower’s ability to repay the mortgage based on the property’s income and performance. Simply put, if you have excellent credit and your property generates enough income to cover the mortgage payment and the property’s operating expenses you qualify subject to loan-to-value restrictions.

  • InvestorWyse

    InvestorWyse provides loan options that offer qualified borrowers debt service coverage ratio (DSCR) programs for the professional investor. The DSCR qualifies the borrower’s ability to repay the mortgage based on the property’s income and performance. Simply put, if you have excellent credit and your property generates enough income to cover the mortgage payment and the property’s operating expenses you qualify subject to loan-to-value restrictions.

  • AltWyse

    AltWyse provides a great option for those borrowers who can prove income by providing non-traditional documentation or alternative documentation other than a tax return or W-2. Some of the alternative documentation programs we offer are bank statement, 1099 Only, WVOE Only,  1 Year W-2, and Asset Depletion.

  • CommercialWyse

    CommercialWyse provides a solution for investors of 5-8 unit multi-family dwellings. This alternative documentation program is similar to our DSCR program but focused on multi-family properties for experienced investors.

  • PrimeWyse

    PrimeWyse provides a solution offering higher-balance loan amounts for qualified full documentation borrowers who just missed qualifying for conventional financing.

  • CreditWyse+

    CreditWyse+ provides a great option for those full documentation borrowers who now have less than perfect credit due to a life event and may have difficulty qualifying for traditional financing.

  • CreditWyse

    CreditWyse provides a great option for those alternative documentation borrowers who now have less than perfect credit due to a life event and may have difficulty qualifying for traditional financing.

  • EquityWyse

    LoanWyse offers closed-end second mortgages to Borrowers utilizing the equity in their homes with multiple qualifying options, such as Standard Income Documentation or Personal and/or Business bank statements. This program is designed for Borrowers who are sound credit risks based on a common-sense approach to underwriting.

  • ForeignWyse

    ForeignWyse provides a solution that offers financing solutions for foreign nationals without a need for a SSN, Green Card, or visa.  No FICO score is required.

  • ITINwyse

    ITINwyse provides a solution for borrowers who are holders of Individual Tax Identification Numbers (ITIN) or DACA Eligible with ITIN/SSN and valid Driver’s License.

Get Rates

  • AgencyWyse

    AgencyWyse program loans that meet the underwriting guidelines of Fannie Mae or Freddie Mac and cannot exceed the Federal Housing Finance Agency’s current conforming loan limits up to 80% LTV. The current single family conforming loan limit is $726,200 (2023). In some higher-priced areas, like in California, the single family conforming loan limit is $1,089,300 (2023). These loan limits vary based on property type and location.

  • AgencyWyse HB

    AgencyWyse HB provides loans that meet the underwriting guidelines of Fannie Mae or Freddie Mac and cannot exceed the Federal Housing Finance Agency’s current conforming loan limits up to 80% LTV. The current single family conforming loan limit is $726,200 (2023). In some higher-priced areas, like in California, the single family conforming loan limit is $1,089,300 (2023). These loan limits vary based on property type and location.