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AHL FUNDING PROGRAMS

Our diverse portfolio of loan programs allows us to offer an array of options for our broker partners.

Contact an Account Executive Today!

Call:  (714) 459-2205
Email: info@ahlfunding.com
Visit: 611 Anton Blvd Suite 1050 Costa Mesa, CA 92626

NonQM Full Doc

A premier loan program with LTVs to 95% – and no MI

  • Credit scores starting at 620
  • Up to 95% LTV (with 720 FICO)
  • 50% DTI to 85% LTV
  • Cash-out proceeds can be used to meet Reserve Requirements
  • Max Loan Amount $6,000,000
  • Min Loan Amount $200,000 (owner-occupied and 2nd homes)
  • 3 – 12 mths PITIA reserves (based on loan amount)

Alt-doc Bank Statements

12 and 24 month options designed for borrowers who’s true income is documented via bank statements.

 

  • Credit scores starting at 620
  • Up to 90% LTV (with 720 FICO)
  • 50% DTI (for LTV to 85%); 43% DTI (for LTV to 90%)
  • Max Loan Amount $6,000,000
  • Min Loan Amount $100,000 (owner-occupied and 2nd homes)
  • 3 – 12 mths PITIA reserves (based on loan amount)

Alt-doc residual income

A program for borrowers with strong residual income.  Use VA qualifying up to 59% DTI

 

  • LTVs up to 85% on primary residences
  • Credit Scores starting at 620
  • Loan amounts up to $3,000,000 (at 70% LTV)
  • Cash-out options
  • 1-4 Unit and FNMA eligible condominiums
  • Reserves: 3-12 mths PITIA (based on loan amount)
  • Interest-only options available
  • Cash-out up to $3,000,000

alt-doc asset depletion

Created for borrwers with substanial liquid capital.  Qualify with assets up to 50% DTI

 

  • Borrower receives 100% credit of the retirement amount in their portfolio
  • Credit scores starting at 620
  • Up to 85% LTV (with 720 FICO)
  • Max Loan Amount $6,000,000
  • Cash-out and Interest-only options available
  • Min Loan Amount $150,000 (owner-occupied, 2nd homes)
  • 3 – 12 mths PITIA reserves (based on loan amount)

INVESTOR NO RATIO

No cash flow or DTI requierments, with credit score as low as 640

 

  • Credit scores starting at 640
  • Up to 75% LTV (with 700 FICO)
  • 1-4 units and condo
  • Foreign borrowers permitted
  • Max Loan Amount $3,000,000
  • Min Loan Amount $75,000
  • 3 – 12 mths PITIA reserves (based on loan amount)

Investor DSCR

A true investor program using cash flow from rents to qualify

 

  • Credit scores starting at 620
  • Up to 80% LTV (with 720 FICO)
  • Qualifications based on 100% debt service coverage
  • Max Loan Amount $5,000,000
  • Min Loan Amount $75,000
  • 3 – 12 mths PITIA reserves (based on loan amount)

Investor Mixed Use

Financing for 2-6 unit properties with both commericail and living space.

 

  • Credit scores starting at 620
  • Up to 80% LTV (with 740 FICO)
  • Qualifications based on 110% debt service coverage
  • Max Loan Amount $4,000,000
  • Min Loan Amount $200,000
  • 3 – 12 mths PITIA reserves (based on loan amount)

Recent credit events full doc

620 Fico product starting at 100k. Provide financing solutions for borrowers with recent credit events.

 

  • Credit scores starting at 620
  • Up to 85% LTV (with 660 FICO)
  • Foreclosure, BK (excl Ch 13), Short Sale, Deed-in-Lieu less than 2 yrs prior to loan signing
  • Primary residences, 2nd homes, Investment properties
  • Max Loan Amount $2,000,000
  • Min Loan Amount $100,000 (owner-occupied and 2nd homes)
  • 3 – 12 mths PITIA reserves (based on loan amount)

recent credit events BANK STATEMENTS

A solution that allows for the use of bank statements to prove income – for borrowers with recent credit events

 

  • Credit scores starting at 620
  • Up to 85% LTV (with 640 FICO); Up to 50% DTI
  • 1-4 units, warrantable / non-warrantable condo, primary residence, second home, investment property
  • 2 yrs seasoning from foreclosure, BK (exec Ch 13), Short Sale, Deed-in-Lieu
  • Max Loan Amount $2,000,000
  • Min Loan Amount $100,000 (owner-occupied and 2nd homes)
  • 3 – 12 mths PITIA reserves (based on loan amount)

Partner with ahl Funding today

Take advantage of our streamlined processes that deliver consistent approvals, competitive pricing, and unique programs.  CALL TODAY (714) 459-2205