• Tel: (916) 332-1056
    Email: info@c1stm.com

  • Jumbo to 95% Full Doc Primary Residence

    October 2, 2013
    • Minimum Credit 720
    • Full Doc Only
    • Interest Only OK
    • Primary Residence Only
    • First Time Home Buyers w/Restrictions
    • Rate and Term Refinance Transaction OK 
  • Jumbo 90%

    Prime Program 

    • $250,000 cash out (higher than other programs that limit to $150,000) 
    • 6 months PITI in reserves for Loans amounts $1M or less
    • 7 years since filing bankruptcy
  • Non-Prime Jumbo 90%

    • Owner Occupied and Second Homes Only
    • Gift Funds OK
    • 24 Foreclosure and Short Sale 
    • Reserves Required (6 - 12 Months) 
    • Min FICO 680
  • Non-Prime Jumbo 80% Bank Statements

    Non-Prime Program 

    • 100% of Deposits for Personal Statements
    • 50% of Deposits for Business Statements
    • Purchase to 85% 
    • 24 Months Bank Statements
    • Owner Occ. w/640 FICO
    • Non-Owner & 2nd Homes w/500 FICO
    • Self Employed and 1099 Borrowers Only 
    • Only 6 NSFs in last 12 months
    • No P & L
    • No Reserves