RESIDENTIAL REAL ESTATE LOANS

Your Experienced Non-QM, Non-Agency Jumbo and Investor Residential Lender

Whether you’re a broker or a correspondent, Stronghill Capital’s 100+ years in combined residential lending experience can help you grow your market share while providing excellent service for your clients.

Quick Quote Tool

TPO Portal

Become an Approved Partner

CORRESPONDENT

BROKER APPLICATION

Non-QM

Program Overview

INVESTMENT ACHIEVER

Achieve More™ on Investment Properties using Debt-Service Coverage (DSCR) Cash-Flow Analysis

Investment Achiever is a Debt Service Coverage Ratio (DSCR) product for both individual borrowers and Business Entities. This product offers competitive terms for both short and long term rental properties, with underwriting focused on the cash flow income of the property.

Minimum DSCR of 1.10
660+ FICO Credit Score
LTVs up to 75%
Purchase, Rate/Term, and Cash-Out Refinance Options
No borrower income or employment information needed
Eligible borrowers include individuals or entities
Fixed, ARM, and Interest Only term options

INCOME ACHIEVER

Achieve More™ using an Income based Approach using Bank Statements, 1099s and Others

Income Achiever is an alternate documentation focused approach for borrowers utilizing 12 or 24 Month Personal or Business Bank Statements, Profit and Loss Statements, 1099’s, or Written Verification of Employment income sources.

660+ FICO Credit Score
LTVs up to 90%
DTI up to 50%
Purchase, Rate/Term, and Cash-Out Refinance Options
Fixed, ARM, and Interest Only term options

ASSET ACHIEVER

Achieve More™ using an Asset Based Income Approach

Asset Achiever is an alternate documentation focused approach for borrowers utilizing an Asset Depletion based approach to underwriting. Eligible Asset classes include Checking, Savings, Money Market, CD’s, Stocks/Bonds/Mutual Funds, Life Insurance/Annuities, Retirement Accounts, and 1031 Exchanges

660+ FICO Credit Score
LTVs up to 90%
DTI up to 50%
Purchase, Rate/Term, and Cash-Out Refinance Options
Fixed, ARM, and Interest Only term options

CREDIT ACHIEVER

Achieve More™ with a Lower Credit Score and Expanded Credit

Credit Achiever is a full-documentation option for borrowers that are employed and self-employed, with a lower credit score minimum and expanded options for those with more recent credit event and housing history seasoning.

600+ FICO Credit Score
LTVs up to 90%
DTI up to 50%
Minimum 12-month credit event seasoning (with restrictions)
36+ Month credit event seasoning with no restrictions.
Purchase, Rate/Term, and Cash-Out Refinance Options
Fixed, ARM, and Interest Only term options

Non-Agency Jumbo

Program Overview

JUMBO ACHIEVER

Achieve More™ with a Non-Agency Jumbo Offering

Jumbo Achiever is a full-documentation option for loan amounts above the
conforming loan limits.

680+ FICO Credit Score
LTVs up to 85%
DTI up to 43%
Max Loan Amount of $3,000,000
Warrantable Condos Allowed
Purchase, Rate/Term, and Cash-Out Refinance Options
Fixed, ARM, and Interest Only term options

Forms & Resources

Product Matrix & Income Calculator

Investment Achiever - Product Matrix

Income Achiever - Product Matrix

Asset Achiever - Product Matrix

Jumbo Achiever - Product Matrix

Credit Achiever - Product Matrix

Non-QM Income Calculators

Seller Guides

Wholesale Non-QM and Jumbo Guidelines

Correspondent Non-QM and Jumbo Guidelines

Applications

Wholesale Partner Application & Agreement

Wholesale Partner Lender Paid Comp Agreement

Correspondent Application Link to Comergence

Checklists & Forms

Wholesale Submission Checklist

Correspondent Submission Checklist

Condo Questionnaire

Correspondent Warehouse Bank Info

Wholesale Anti-Steering Disclosure

Resources/Policies

Correspondent-Wholesale Lock Policy

Non-Delegated Correspondent - How to Submit a Loan - TPOC

Non-Delegated Correspondent - How to Submit for Purchase

Delegated - How to Submit for Purchase

Wholesale - How to Request an Early CD

Wholesale - How to Resubmit File to Underwriting

Wholesale - How to Request Initial Disclosures Prior to UW Submission

Wholesale - How to Submit a Loan - TPOC

How to Request a Rush in UW

RESIDENTIAL PRIVACY POLICY

Your Experienced Non-QM, Non-Agency Jumbo and Investor Residential Lender

Non-QM

Non-Agency Jumbo

Investor Residential

Non-QM

Achieve More™ on Investment Properties using Debt-Service Coverage (DSCR) Cash-Flow Analysis

Achieve More™ using an Income based Approach using Bank Statements, 1099s and Others

Achieve More™ using an Asset Based Income Approach

Achieve More™ with a Lower Credit Score and Expanded Credit

Non-Agency Jumbo

Achieve More™ with a Non-Agency Jumbo Offering

Forms & Resources

Product Matrix & Income Calculator

Seller Guides

Applications

Checklists & Forms

Resources/Policies

Company

Solutions