SIVA / 700+ FICO O/O Second Home or N/O/O
1-4 Units / Condo OK / Must be Fannie Mae Approved Project

$250,000 - $1,000,000
60% LTV to $1,000,000
55% LTV to $1,500,000
50% LTV to $3,000,000

3/1 Arm 5.250%
5/1 Arm 5.750%
7/1 Arm 6.250%

$1,000.00 Bank Costs plus cost of appraisal ($500+/-) plus escrow, title and the usual.

Cash-Out to $100K OK
Up to 14 Properties Financed OK
12 Mos. of PITI Reserves a must for subject property only
6 Month Seasoning Required for Refinances
Foreign National OK / Must Season Funds in the US for 30 days

O/O SIVA HELOC to 55% CLTV / $250,000 Max.
Prime + 2 (Floating)
S/E or W-2

40% Down-Payment or Equity
1008 (No Broker info.)
1003 (No Broker information)
Purchase Agreement, if applicable.
Deposit Receipt, if applicable.
Escrow Instructions, if purchase.
Prelim or Property Profile
Credit Report (if available, otherwise do not pull) (Foreign Nationals Copy of Existing Report)
Copy of CDL and SS (Foreign Nationals Passport)
Business License or CPA Letter (Last 2 Yrs. for S/E)
3 Mos. of Bank Statements / Deposits / Assets / Personal and Corporate
Personal Profile
Consultancy Agreement

CA, WA, NY, NJ, TX & GA

Rates subject to change without notice !!!

O/O SIVA HELOC for S/E W-2 or VOE
$100,000 - $500,000 or 60% CLTV
Prime + 1.0% with 6% Lifetime Floor and 18% Lifetime Cap
10 Yr. Draw - 15 Yr. Amortization thereafter.
SFR, Condo, & 2-4 Units
$50.00 Annual Fee and $1,000.00 Set-Up Fee
Southern CA Only !!!!!

O/O SIVA HELOC for S/E W-2 or VOE
$500,000 - $1,000,000 or 50% CLTV
Prime + 1.0% with 6.50% Lifetime Floor and 18% Lifetime Cap
10 Yr. Draw - 15 Yr. Amortization thereafter.
SFR, Condo, & 2-4 Units
$50.00 Annual Fee and $1,600.00 Set-Up Fee
Southern CA Only !!!!!
N/O/O SIVA HELOC for S/E W-2 or VOE
$100,000 - $250,000 or 50% CLTV
Prime + 1.5% with 6.50% Lifetime Floor and 18% Lifetime Cap
10 Yr. Draw - 15 Yr. Amortization thereafter.
SFR, Condo, & 2-4 Units
$50.00 Annual Fee and $1,500.00 Set-Up Fee
Southern CA Only !!!!!


N/O/O SIVA HELOC for S/E W-2 or VOE
$250,000 - $500,000 or 50% CLTV
Prime + 1.5% with 6.50% Lifetime Floor and 18% Lifetime Cap
10 Yr. Draw - 15 Yr. Amortization thereafter.
SFR, Condo, & 2-4 Units
$50.00 Annual Fee and $2,000.00 Set-Up Fee
Southern CA Only !!!!!

Rates subject to change without notice !!!

720+ FICO O/O or Second Home
$420,000 - $1,500,000
Max LTV 60%

3/1 Arm 3.625%
5/1 Arm 3.750%
7/1 Arm 4.250%
10/1 Arm 4.750%

$1,000.00 Bank Costs plus cost of appraisal ($500+/-) plus escrow, title and the usual.
Depository Relationship of $100,000 is Required.

Cash-Out to $250,000 OK
No Limit on Properties Financed
12 - 24 Mos. of PITI Reserves a must (all properties)
No Seasoning Required on Refinances
Foreign National OK

40% Down-Payment or Equity
1008 (No Broker info.)
1003 (No Broker information)
Purchase Agreement, if applicable.
Deposit Receipt, if applicable.
Escrow Instructions, if purchase.
Prelim or Property Profile
Credit Report (if available, otherwise do not pull) (Foreign Nationals Copy of Existing Report)
Copy of CDL and SS (Foreign Nationals Passport)
Business License and CPA Letter (Last 2 Yrs. for S/E)
3 Mos. of Bank Statements / Deposits / Assets / Personal and Corporate
Personal Profile
Consultancy Agreement

SIVA 760+ FICO O/O
HELOC TO 70% CLTV / $250,000
Floating Over Prime (Currently 4.125%)
Depository Relationship of $100,000 is Required.

Nationwide !!!

Rates subject to change without notice !!!


SIVA 700+/- FICO O/O or 2nd Home
$250,000 - $3,000,000+
Max LTV 50%

3/1 Arm 5.250% I/O
3/1 Arm 5.000% P&I

$1,000.00 Bank Costs plus 0.50 Point plus cost of appraisal ($500+/-) plus escrow, title and the usual.

N/O/O add 0.750% to Rate
Cash-Out to $1,000,000 OK
No Limit on Properties Financed
Corp., LLC, Trust OK
Must Have Assets and Reserves
No Seasoning Required

50% Down-Payment or Equity
1008 (No Broker info.)
1003 (No Broker information)
Purchase Agreement, if applicable.
Deposit Receipt, if applicable.
Escrow Instructions, if purchase.
Prelim or Property Profile
Credit Report (if available, otherwise do not pull) (Foreign Nationals Copy of Existing Report)
Copy of CDL and SS (Foreign Nationals Passport)
Business License and CPA Letter (Last 2 Yrs. for S/E)
3 Mos. of Bank Statements / Deposits / Assets / Personal and Corporate
Personal Profile
Consultancy Agreement

Los Angeles and Orange Counties Only !!!