ATR-IN FULL is a new non-QM program that just needs assets to qualify, and doesn’t estimate DTI. This program just needs qualified assets to be over than loan amount plus Funds to close, and the documents should be just 2-month seasoned.
Here are the requirements for ATR-IN FULL program:
l Just for primary house.
l Borrower’s income and employment are not required to be disclosed on 1003 loan application
l Min FICO is 600
l No need for reverses
l Max LTV could be 75% for Purchase; Max LTV could be 70% for Refinance
As for the assets,
l Eligible assets: Checking, saving and stocks
Retirement accounts: 50% (under 59 years old); 60% (over 59 years old)
l Ineligible assets: RSU, Business funds real estates and other non-liquids
The ATR-IN FULL program is really great! Please connect us if you need! Thank you!
AAA Lendings is a direct mortgage lender with over 20 years of lending experience. We have a group of experienced professionals providing services for home buyers and people with mortgage needs. We offer 100+ customized loan programs in conventional, FHA, VA, EZ qualified and foreigner national loans. We always put customer's needs first and provide the best customized solution for each customer.
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