AMP Underwriting Niches

ARCSTONE'S ACCESSIBLE MORTGAGE PROGRAMS

So, what is AMP - Accessible Mortgage Programs? AMP is a suite of non-QM products that utilize alternative documentation methods to qualify borrowers for mortgage loans.

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Bank Statement Loans

Your ability to qualify is determined by analyzing your most recent 12 to 24 months of bank statements instead of tax returns.

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P&L Loans

Your ability to qualify is determined by analyzing a certified profit and loss statement for your business covering the most recent 12 months.


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Asset Loans

Your ability to qualify is determined by your assets, not your income.



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Cashflow Loans

Your ability to qualify is determined by the cash flow of the investment property, not your personal financial situation.



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AMPOSSIBLE

Allows a borrower that isn’t quite mortgage ready to have an equity position with up to 96.5% financing.



Buy Before
You Sell

Qualify to purchase a new home before you sell your current home. 




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ITIN Loans

Individual tax identification number (ITIN) loans are for those without an SSN.




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Préstamos ITIN

Los préstamos con número de identificación fiscal individual (ITIN) son para quienes no tienen un SSN.



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Cashflow Loans

Your ability to qualify is determined by the cash flow of the investment property, not your personal financial situation.



Underwriting Niches

Our AMP products go beyond the ordinary and into the extraordinary with our underwriting niches that unlock opportunities for your borrowers with our creative  financing solutions.

1. Buy Before you Sell* - Excludes Primary Home Payment

2. P&L Only w/ No Bank Statement - No Expense Ratio

3. Bank Statement Loans - As Low as 10% Expense Ratio

4. ITIN FHA** Up to 96.5% LTV

5. Verification of Employment (VOE) Only

  • FHA Up to 96.5% LTV

6. ITIN | DACA Up to 90% LTV

7. DSCR

  • No Ratio Required
  • Foreign National Up to 75% LTV
  • Commercial Up to 8 units

8. Vacant Land Loans Up to 60% LTV

9. All Litigation Condos w it Construction Defects

* Buy Before You Sell applies to all income documentation types (except for AMPOSSIBLE) and requires current home to be listed on the MLS.

** FHA-insured mortgage.


NMLS | FAIR LENDER | FAIR HOUSING

Equal Opportunity Housing. Arcstone Financial Inc. is a California Corporation licensed by the Department of Real Estate, License #01468445, NMLS# 344236. Information subject to change without notice. This is not an offer for extension of credit or a commitment to lend. All rates, fees, and programs are subject to change and/or withdrawal from the lending practices without notice. Eligibility can vary based on meeting minimum credit score/tradeline, documentation, Loan to Value, and occupancy. Ask to speak with a home loan consultant for a pre-qualification/pre-approval or an approval.