Liton Mortgage

05/08/2025

Self-Employed: 12-month PTIN or Accountant-prepared P&L
✅ Salaried: VOE of current income only
✅ Lite Doc Only – No tax returns or W2s required
✅ Subject property does not need positive cash flow
✅ Loan amounts up to $1,000,000
✅ Up to 75% LTV (Purchase & Rate/Term) | Up to 70% LTV (Cash-Out)
✅ Minimum 680 FICO | Up to 50% DTI
✅ 1-month bank statement covering at least 30 days
✅ 100% gift funds allowed for down payment & closing costs
✅ Cash-out proceeds may be used for reserves
✅ Max 5 properties owned

05/08/2025

No bank statements, just the net income figure provided by your cpa tax preparer.
12 to 24 months accepted
Up to 85 LTV
Loans up to $6 million
Min 660 FICO

01/06/2025

07/09/2024

1985 interest rate

06/13/2024

1% Down payment First Time Home Buyer
Please Call Me For More Detail (972) 998-8522

06/13/2024

FIRST TIME HOME BUYER PROGRAM
2% lender down payment assistance available.
CALL ME FOR MORE DETAIL (972) 998-8522

06/12/2024

theNONI—The best DSCR loan in the country (rates start at 6.99%)
nearNONI—The best NO RATIO, < 1.00 DSCR loan in the country (rates start at 7.25%)
NONI58—The best DSCR loan for 5-8 unit residential properties (rates start at 7.99%)
theBlanket—The best blanket loan in the country for up to 25 properties (rates start at 6.99%)
G-PA—The best bridge loan in the country (rates start at 10.625%)
600—12 & 24 months Business and Personal Bank Statement Loans, 12 & 24 Months P&L Loans
the2nd—The best 2nd mortgage loan in the country (rates start at 7.75%)
550—FHA (no overlays, 580 needed for manual)
580—VA (no overlays, 620 needed for manual, 100% LTV C/O)
620—USDA (no overlays)
620—CONV (no overlays)
24 Hour Turn Times Daily (approvals )

HB Lending 2500 NE green oaks BLVD suite 202, Arlington TX 76006, COMPANY NMLS 1829248, NMLS 1752564 (www.nmlsconsumeraccess.org); Equal Housing Opportunity. This document is limited to current Hometown Equity Mortgage, LLC policy and practice and should not be construed as legal advice, legal opinion, or any other advice on specific facts or circumstances. The recipient should contact its legal counsel for legal advice. All loans subject to final underwriting approval. This policy and practice is subject to change.

06/12/2024

RATE IMPROVEMENT

Business Purpose Loan
RATE IMPROVEMENT
RATES STARTING AT 6.75% ON DSCR!

80% LTV Purchase 700+ FICO
80% LTV R&T Refi 700+ FICO
75% LTV C/O Refi 700+ FICO
640 Minimum Fico
Loan Amounts up to $3.5M
30 Day Asset Verification
1x30x12 Mortgage Lates Allowed With No Restrictions!
Unlimited 30-Day Mortgage Lates Allowed!
24 Month Credit Event Seasoning
Short Term Rental OK
5 Year Prepay Penalty for a Better Rate!
Prepay Options: 5, 4, 3, 2, 1
Declining PPP Options
Cash in Hand may be used for Reserves on C/O Loans
Non-Warrantable Condos Allowed
Condotels Allowed
ACH required for Best Rate-may be waived with rate add-on

Investment Properties only – SFR, Condo, 2-4 Unit's (up to 8 units under NONI58)
Available on Purchase, R/T Refi, and C/O Refi
Maximum Loan amount $3,500,000
Minimum Loan amount $100,000
Minimum 640 Score
Borrower can own unlimited properties
Borrower can own unlimited financed properties
No maximum borrower exposure
Borrower can close in an LLC
LLC is NOT limited to a single-purpose LLC
Simply use the start rate (IO included) to calculate your reserves and DSCR
Tax and HOI Escrow not required - no hit to waive
DSCR Less than 1.00? No problem- we can do that too!


This document is limited to current Hometown Equity Mortgage, LLC policy and practice and should not be construed as legal advice, legal opinion, or any other advice on specific facts or circumstances. The recipient should contact its legal counsel for legal advice. All loans subject to final underwriting approval. This policy and practice is subject to change.
HB LENDING
NMLS 1829248
NMLS 1752564