Subject: LoanWyse Sets the Gold Standard in Non-QM X-SG-EID: =?us-ascii?Q?hMGXXLowOTDklZBcF26u8sEwbXIsN0oJQmGSgvv3v8iVtghTe=2F70lQgx=2FcRmUA?= =?us-ascii?Q?GIZiWJVA1gM6Vi9fjWLroRjUlYYlXk4MaWBqKcD?= =?us-ascii?Q?Ynh5170Gc1hITc=2FGbj2CMZGPE7Qpg+jnML5NOtR?= =?us-ascii?Q?BdvM6ySHpifOH51v5muPrZ34Dv+52NI=2FlxrZ2EW?= =?us-ascii?Q?PhWzx1K4w95AnTS+v=2FO1DTAWahlYFyu0ovCAS=2Fl?= =?us-ascii?Q?uzTLezGJlFoTJbSrg=3D?= X-SG-ID: =?us-ascii?Q?N2C25iY2uzGMFz6rgvQsb8raWjw0ZPf1VmjsCkspi=2FKBKOO6ZI1cVqf4jxyZ3x?= =?us-ascii?Q?RTeIJ49nk=2F7JQ63lHu9VffNXaPfsOlxgN+o=2F2EY?= =?us-ascii?Q?yjWzFq+aECVXbV5AJ5uZVlOnx=2For5KpcU7RJUDm?= =?us-ascii?Q?bzHVICMT5oDlSfLDzvuof4wyrR4BHKk9pSGkd6a?= =?us-ascii?Q?xldtVl1=2Fg8niZ?= 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-2FMg3uIvfVwCcB-2?= =?us-ascii?Q?BqI7Az8hVpLa4SBdcbpnYSM5Gl2jLXEl5KnKFpl?= =?us-ascii?Q?n5n4jo1yYT0-2BWZ3SSY8ZsPI8y3WA082sJqQ3X?= =?us-ascii?Q?SNmi4heSJUVJArcDWLbS1rHUrqGoqYuwOLZtHTL?= =?us-ascii?Q?kZh53tnAqkaNpzYszT38-2BLPjpCs3XNU7MbZKf?= =?us-ascii?Q?rgEAyTFHSX44qJKJ1EkFpRoplyeT0LcH7s0KQxo?= =?us-ascii?Q?VU7SKIAevEouRUzXfjZjkIEFzja6AmCQnR2jE-2?= =?us-ascii?Q?BhRkNcL004ePfy5l9kViGcWPFCm11bisrENuLtr?= =?us-ascii?Q?vPN1v6Y3lLh=3E?= X-Spam-Status: No, score=4.0 X-Spam-Score: 40 X-Spam-Bar: ++++ X-Spam-Flag: NO

Exceptions Are Approved Upfront.

Full Spectrum of Non-QM Products.

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<= strong>

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

9494019864

reginald.peterson@loanwyse.com

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