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.

TPO Portal

Become an Approved Partner

CORRESPONDENT

BROKER APPLICATION

Non-QM

LOANS

Non-QM

Program Overview

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

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

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

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

  • icon_download.png
    Investment Achiever - Product Matrix
  • icon_download.png
    Income Achiever - Product Matrix
  • icon_download.png
    Asset Achiever - Product Matrix
  • icon_download.png
    Jumbo Achiever - Product Matrix
  • icon_download.png
    Credit Achiever - Product Matrix
  • icon_download.png
    Non-QM Income Calculators

Seller Guides

  • icon_download.png
    Wholesale Non-QM and Jumbo Guidelines
  • icon_download.png
    Correspondent Non-QM and Jumbo Guidelines

Applications

  • icon_download.png
    Wholesale Partner Application & Agreement
  • icon_download.png
    Wholesale Partner Lender Paid Comp Agreement
  • icon_download.png
    Correspondent Application Link to Comergence

Checklists & Forms

  • icon_download.png
    Wholesale Submission Checklist
  • icon_download.png
    Correspondent Submission Checklist
  • icon_download.png
    Condo Questionnaire
  • icon_download.png
    Correspondent Warehouse Bank Info
  • icon_download.png
    Wholesale Anti-Steering Disclosure

Resources/Policies

  • icon_download.png
    Correspondent-Wholesale Lock Policy
  • icon_download.png
    Non-Delegated Correspondent - How to Submit a Loan - TPOC
  • icon_download.png
    Non-Delegated Correspondent - How to Submit for Purchase
  • icon_download.png
    Delegated - How to Submit for Purchase
  • icon_download.png
    Wholesale - How to Request an Early CD
  • icon_download.png
    Wholesale - How to Resubmit File to Underwriting
  • icon_download.png
    Wholesale - How to Request Initial Disclosures Prior to UW Submission
  • icon_download.png
    Wholesale - How to Submit a Loan - TPOC
  • icon_download.png
    How to Request a Rush in UW