Don't be limited by the Fannie/Freddie guidelines. With my non-agency loans, you can get a much higher leverage with 30 yr fixed loans.

• 1-4 unit residential property
• Owner occupied
• Max DTI - 50%
• Purchase or Rate & Term Refi
  • 95% LTV up to $1,000,000 loan amount (Max DTI 43%)
  • 90% LTV up to $2,000,000 loan amount
  • 85% LTV up to $2,500,000 loan amount
• Cash out refi
  • 85% LTV up to $2,000,000 loan amount
  • 80% LTV up to $2,500,000 loan amount
• 30 yr fixed
• Full doc
• Min FICO 620
• Above LTV & Loan amounts based on Min FICO of 720 (slightly lower LTV for lower FICO's)
• Credit event seasoning - 2 yrs

I Lend in ALL 50 states!

You can see my real-time availability & book time with me: https://calendly.com/upatel

Why wait. Apply now!: https://apply.thefederalsavingsbank.com/#/signup?r...

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Terms and conditions may vary. Subject to underwriting approval.

Member FDIC and Equal Housing Lender.