Integrity Credit Corporation

WHY WORK WITH US? 1. Superior Customer Service - We Pick Up Our Phones! 2. Experience Counts 3. We Help You Shop For The Best Competitive Rates... 4. We offer Over 100 Different Loan Programs - FHA, VA, Reverse Mortgage, Stated Income, and More 5. Paperless Online System - Fast and Easy loan process See more

FHA Purchase & Refinance 3.5% down with FICO as low as 580 10% down for FICOs in between 500 to 579 100% CLTV with down payment assistance program Non occupying co-borrower can be used to qualify...Continue reading

-CONVENTIONAL LOANS(As Low as 3% Down with fixed rates and terms) Available In: CA, CO, FL, GA, TX - FHA LOANS(The traditional 3.5% down payment or No down payment FHA LOANS!) Available In: CA, CO, FL, GA, TX... - BANK STATEMENT LOANS(Qualify using the deposits on your bank statements as income, rather than the income on your tax returns. Provide "X" months of bank statements, add all deposits, and divide by X = average monthly income) Available In: CA, CO, FL, GA, TX - STATED INCOME(Client simply states their income - and verifies their assets) Available In: CA, CO, FL, GA, TX - HARD MONEY LOANS(These are loans from investors that are willing to take larger risk for more payout. If a loan needs to close in 5 days, or a client does not want to show income documentation, Hard Money is the GO-TO Loan Program) Available In: ALL 50 STATES - JUMBO LOANS UP TO $5,000,000(These are called jumbo loans because the loan amount is bigger than the "conforming county limit". For example, Conforming Limits for Los Angeles, CA are $625,500 and a Jumbo Loan would be any loan above that amount) Available In: CA, CO, FL, GA, TX - COMMERCIAL LOANS(Retail, Offices, Warehouse, Mixed Use, Medical/Dental, Churches, Religious Properties, Senior Housing, Student Housing, Public Storage, Marijuana, Equipment, Gas Stations, Car Washes, Mobile Home Communities, Land, Agriculture, Call for other property types) Available In: ALL 50 STATES - CONSTRUCTION LOANS(Ground up construction - Investment Properties) Available In: CA, CO, FL, GA, TX - FIX & FLIP LOANS(Short Term Loans: allows you to acquire the property, rehab the property, and sell the property. When you sell the property, you pay off this loan and make the remaining money as profit!) Available In: ALL 50 STATES - FOREIGN NATIONAL & ITIN # LOANS(Foreign Nationals, Foreign Investors, ITIN # Loans, No Social Security Number Needed!!!!!) Available In: CA, CO, FL, GA, TX - GOVERNMENT LOANS(USDA - U.S Department of Agriculture, VA- Veterans Affairs) Available In: CA, CO, FL, GA, TX - NON - QM / PORTFOLIO LOANS(These are loans that do not have to conform to TRID Rules. Different Investors have different criteria, and we structure the loan to fit a borrower's specific profile) Available In: CA, CO, FL, GA, TX - REVERSE MORTGAGES(For borrowers over the age of 62 to start using the equity in their home) Available In: CA, CO, FL, GA, TX - ASSET DEPLETION / QUALIFICATION(Qualify using the value of your assets as a method of qualifying for a home) Available In: CA, CO, FL, GA, TX

Team ICC Lending Top 12 - June 2020

Real Estate Investors ... Use ONLY DSCR (Debt-Service-Coverage-Ratio) Instead Of Tax Returns. This means your loan is qualified based on the cash flow/ market rents of the subject property. How do I calculate DSCR? ... Take your gross rents based off the lesser of market rents or lease agreement / by the PITIA (Full Am) or ITIA (Interest Only) No Employment Required Reserves and Cash flow are Required No Tax Returns or Income documentation Required Rates Lower Than Hard Money Loans Investment Properties Only Full Appraisal Valuation Required #DSCR #Investors #Investmentproperties #propertyinvestment #nonqm #brokersarebetter #mortgagebroker #mortgage #Statedincome #jumbo #mortgagebrokers

FHA Minimum credit score 640 AUS approved... 640 manual Non-Credit Qualifying Streamline refinances allowed Gift funds allowed for down payment and closing costs Non-occupant co-borrower allowed Cash out 80% LTV VA Minimum credit score 640 AUS approved 640 manual/600 High BA Cash-out up to 90% LTV Foreclosure/Short Sale/Bankruptcy <2 years allowed with AUS Approval USDA Minimum credit score: 640 100% maximum LTV Manual Underwrites No maximum loan amount USDA Rate/Term refinances allowed CONVENTIONAL 620 min score Fannie Mae/ Freddie Mac- U/w based on DU/LP Findings Standard and High Balance HomeReady 97% LTV 620 Min score Lower MI over 90%LTV Low Income borrowers Non-Occupant co-borrower HomePossible 97%LTV 620 Min score Lower MI over 90%LTV Low Income borrowers Non-Occupant co-borrower Super Conforming allowed- HB

P&L ONLY Min 680 FICO Max LTV 85% Max loan amount $2,000,000 2 Years & YTD P&L ... Bank Statements not required 4506 not required 2 MONTHS BANK STATEMENTS Min 680 FICO Max LTV 80% Max loan amount $2,000,000 Requires only 2 months bank statement and 12 months P&L prepared by licensed 3rd party 4506 not required NO RATIO/DSCR No income, no reserves LTV 80% FICO 620 DSCR <1.00 Ok Foreign Nationals FOREIGN NATIONALS 75% LTV Loans up to $ 5,000,000 CPA Letter or Employment Letter No Income Option 1 reference letter 2 months Bank Statements NON PERMANENT RESIDENT Self-Prepared P&L Statements 80% LTV 620 Credit Score 25% ownership acceptable LITE DOC PROGRAM 10 Days to Close Interest Only No Income on 1003 LTV 70% Foreign National Finance up to 5% of closing costs Condohotel OK See more

Conventional Loan Products Agency Fixed / ARMS Standard Balance Fannie Mae Fixed / ARMS High Balance HomeReady... Manufactured Housing Freddie Mac Super Conforming Fixed / ARMS Home Possible Home One Government Programs FHA Standard & High Balance FHA Credit Scores Down To 580 FHA No Score FTHB Program FHA Streamline No Score / Mortgage Only Credit Report VA Standard & High Balance VA Credit Scores Down To 580 VA IRRRL No Score / Mortgage Only Credit Report VA No Score FTHB Program USDA Purchase and Refinance Down Payment Assistance Power Purchase: 1% Borrower Down Payment Within Reach Conventional Program 5% Down Payment & Closing Cost Assistance Within Reach Government Program 3% or 4% Down Payment & Closing Cost Assistance CalHFA Assistance (CA Only) GSFA Down Payment & Closing Cost Assistance (CA Only) JUMBO Loan Products High Balance USA: Up To $726,525 Every County Every State Jumbo Elite: Up To $1.5 Million Jumbo Supreme: UP To $2.0 Million Jumbo Premier: Up To $3.0 Million Expanded Non-QM Loan Jumbo Loan Amounts Personal and Business Bank Statements 1 Year Income Documentation DSCR Programs Call today for more details

Nations Direct Mortgage is proud to be your partner for success! Check out our product and program highlights below and find out why brokers are partnering with us. For our current rate sheet click here or login to LoanManager Government Product and Program Highlights... CONVENTIONAL Premier Conv extremely competitive rates for Purchase, R/T Refi, Cash-Out borrowers w/720 FICOs Affordable lending up to 97% LTV with 620 FICO on Owner Occupied 85% LTV on Investment purchased 100% Gift Funds allowed N/O/O No landlord history required No transcripts required for W2 wage earners Can run LP/DU through NDM Loan Manager Portal FHA 600 Minimum FICO No trade line and DTI overlay Cash-Out Refis up to 80% LTV No transcripts required for W2 wage earners Manual underwriting allowed Primary borrowers with 1 FICO eligible Co-Borrowers with no FICO eligible Can run LP/DU through NDM Loan Manager Portal VA 580 Minimum FICO (600 Min FICO in Montana) up to $1MM 700 Minimum FICO up to $1.5MM Cash-Out Refi up to $1.5MM and 90% LTV Manual underwriting allowed No transcripts required for W2 wage earners IRRRLs: AVM/2055 not required IRRRLs: Streamline up to 135% LTV (no income required) USDA 580 Minimum FICO Purchase or R/T Refi (R/T Refi of existing GRH loans only) Max LTV/CLTV 100% (CLTV can exceed 100% to include the financed guaranteed fee) Manual underwriting allowed 30 Year fixed No DTI overlay on GUS approve/eligible up to 50% 29%/41% max DTI on manual underwrites