Specialized Mortgage Program
Bridge loan program requiring no income verification or prior experience, with loan amounts up to $3MM.
Underwriting at a glance
- Minimum FICO
- 650+
- Max LTV (purchase / rate-term)
- 75%
- Max LTV (cash-out)
- 65%
- Loan amount
- $300,000 - $3,000,000
- Documentation
- no-income
- States
- most states
Highlights
- •No experience required
- •No income verification required
- •6 months reserves requested
- •No income verification
- •6, 12, 18, or 24-month terms
- •6 months of reserves required
- •First-time investors eligible
- •Foreign Nationals and ITINs welcome
- •Rural properties allowed
- •Loan amounts up to $5MM
- •Fast funding for time-sensitive deals
- •Minimum FICO score of 620
- •Up to 75% LTV available
Want to see if you qualify?
Tell us about your scenario - we'll come back with current pricing and exact guidelines.
Program guidelines and rates can change at any time without notice. Last confirmed 9/8/2026. Not a commitment to lend.
Today's mortgage rates
Conventional
6.750%
6.789% APR
FHA
6.250%
6.282% APR
VA
6.250%
6.281% APR
Conv: 80% LTV, 780 FICO. FHA: 96.5% LTV, 680 FICO. VA: 100% LTV, 680 FICO. 30-yr fixed. Your rate may vary.