Keyword: Non-QM Asset Depletion Program
This program is designed for borrowers who have significant verifiable assets and would benefit from alternative loan qualification methods
Requirement:
1-The max DTI is 50%
2-Documents-6 Month personal bank statements
3-Primary Only
Advantage:
1-No 4506-C/tax transcripts/Tax Returns or any income documents
2-The Max LTV is 90%
3-The Min Fico is 600
4-The base rate is 3.125%
5-Max Loan amount is $4,000,000.00
How to qualify?
The total allowable assets less required reserves are divided by 84 months to determine the qualifying monthly income to be used in calculating the debt to income (DTI).
(Assets – Reserves) / 84 months = Qualifying Income
Total monthly liabilities / Qualifying Income = DTI
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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