Subject: LoanWyse is the Gold Standard in Non-QM X-SG-EID: =?us-ascii?Q?hMGXXLowOTDklZBcF26u8sEwbXIsN0oJQmGSgvv3v8iVtghTe=2F70lQgx=2FcRmUA?= =?us-ascii?Q?GIdeBDG3KoqHXflQA=2F1BYJm+ZTjlHZFcoWy8lKF?= =?us-ascii?Q?gnVViykxvYOdek8Gr8gLFhhUFmZIS2UECyuqAKM?= =?us-ascii?Q?yXSxnEp99YCVbjg+C7MTDg+Q2=2FIjSUqB52kRcCh?= =?us-ascii?Q?S9bDt7+5SKTAkYt6a=2FLulFlc+iKx7zRnCgAHRYA?= =?us-ascii?Q?kh2qUACoDI+GXTOFI=3D?= X-SG-ID: =?us-ascii?Q?N2C25iY2uzGMFz6rgvQsb8raWjw0ZPf1VmjsCkspi=2FKBKOO6ZI1cVqf4jxyZ3x?= =?us-ascii?Q?RTeIJ49nk=2F7JQ63lHu9VffNaxiaaa6txm6VN450?= =?us-ascii?Q?zIDs5xapyhWZe=2FDquXJaumpiwKfbjLVD500hx7G?= =?us-ascii?Q?XYjA4VR9I5zm5dSrxiQargXz02o=2FXg+0mV1l1gT?= =?us-ascii?Q?zK3dyfm3gJ=2FbG?= To: andrew@sterlingcal.com X-Entity-ID: /YtWH7++UXWi8JKj3B98Xg== List-Unsubscribe: =?us-ascii?Q?=3Cmailto=3Aunsubscribe=40em1656=2Eloanwyse=2Ecom=3Fsubject=3Dhttps=3A=2F=2Fu87880?= =?us-ascii?Q?36=2Ect=2Esendgrid=2Enet=2Fwf=2Funsubscribe*q*upn?= =?us-ascii?Q?=3DO7ROD4svS-2BWtZVG4Rcp0Qt9NW-2F4-2B8SWT?= =?us-ascii?Q?n3ErF8IYfmUcrFzTNOsni28y8NvCg5F9yKwbbLx?= =?us-ascii?Q?jQPvzIxyH28aqnWmzJnl7d-2FMg3uIvfVwCcB8J?= =?us-ascii?Q?5uWQuTJ1P8ERyEPRZOTdZ7v-2B19Q4tOdY2f2Oa?= =?us-ascii?Q?QvOtcQR-2B64jRPSq-2F1Ve5-2BvpBIOSZnP5a-?= =?us-ascii?Q?2FcgcEwUUJr-2BCb64iNvua1ca-2BHmNpg0Go73?= =?us-ascii?Q?f5r1R-2B6woxryzVceLaQ9vvbzWH1SRJNfKil1X?= =?us-ascii?Q?dgw30BeJ3GBZLQn5nNG2HbXZGSs8L4gzS0ro85T?= =?us-ascii?Q?pWKfjsoHZUDtvJzPNNZLt-2Ba7mEzjOwXKXk3mk?= =?us-ascii?Q?igxxSxhelLYNW62a3omO5m7m2xNoWVthDlYysXO?= =?us-ascii?Q?K2KSA6Jq8Jkmh7jZ-2F34BL=3E?= X-Spam-Status: No, score=4.0 X-Spam-Score: 40 X-Spam-Bar: ++++ X-Spam-Flag: NO

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EquityWyse

Close-End Seconds

Credit Score Down to 660
Max Loan Amount $450k
Max Combined Lien $2mm
Full Doc Max CLTV 90%
Bank Stmt Max CLTV 85%
DTI up to 50%
No Reserves or Assets Required

<= strong>InvestorWyse

DSCR - No Ratio

Minimum FICO 620
DSCR Down to 0.75
Loans up to $3.5mm
Purchase up to 80% LTV
R&T/Cash-Out up to 75% LTV
No DTI/Employment Verfiied
First-Time Investors OK

<= strong>AltWyse

Alternative Documentation

Minimum FICO 660
Loans up to $4mm
Max Cash-Out Unlimited
Purchase up to 90% LTV
R&T/Cash-Out up to 80% LTV
30 & 40-Year I/O Available
Multiple Qualification Options

<= strong>CommercialWyse

5+ Units DSCR - No Ratio

Minimum FICO 660
Loans up to $2mm
Purchase up to 75% LTV
R&T/Cash-Out up to 70% LTV
5-8 Units Residential
2-8 Units Mixed Use
Min DSCR >=3D 1.0

<= strong>CreditWyse+

Imperfect Credit | Full Doc

Minimum FICO 600
Max Loan Amount is $3mm
Max Cash-Out Unlimited
Purchase up to 85% LTV
R&T/Cash-Out up to 80%
BK / FC / SS / DIL / Mod OK;
1x30x12 / 0x60x12 OK

<= strong>Credit= Wyse

Imperfect Credit | Alt Doc

Minimum FICO 600
Max Loan Amount is $3mm
Max Cash-Out Unlimited
Purchase up to 85% LTV
R&T/Cash-Out up to 80%
BK / FC / SS / DIL / Mod OK;
1x30x12 / 0x60x12 OK

<= strong>PrimeWyse Jumbo

High Balance | Full Doc

Minimum FICO 680
Loans up to $3mm
15-Year & 30-Year Fixed
Purchase/R&T up to 85% LTV
Cash-Out up to 80% LTV
DTI up to 45%
Cash-Out up to $500K

<= strong>PrimeWyse

High Balance | Full Doc

Minimum FICO 660
Loans up to $4mm
Fixed and ARMs
Purchase up to 90% LTV
R&T/Cash-Out up to 80% LTV
DTI up to 55%
40-Year I/O

<= strong>ITINWyse

For ITIN / DACA Borrowers

No SSN or Citizenship OK
Minimum FICO 660
Loans up to $1.5mm
15-Year & 30-Year Fixed
Max DTI to 43%
Cash-Out as Reserve
Interest Only Available

<= strong>ForeignWyse

Foreign Investments Made Easy

FICO Not Required
Loans up to $2mm
15, 30, 40 Year Fixed
DTI up to 50%
Purchase up to 75% LTV
Interest Only Available
Fixed & ARMS Available

<= strong>AgencyWyse

Conventional Loans

Minimum FICO 620
Full Documentation
Loans up to $647,200
Up to 80% LTV
Purchase/R&T or Cash-out
All Occupancy Types

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Reginald Peterson

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reginald.peterson@loanwyse.com

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