Category

Featured Program

Asset Qualifier

LendSure Asset Qualifier Program

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LendSure Asset Qualifier Program

No Income? Use Assets to Qualify for a Mortgage

Borrowers with great credit, but no steady monthly income, may be able to use their assets to qualify for a mortgage. Compared to asset depletion, LendSure’s Asset Qualifier program essentially doubles the qualifying monthly income, since the draw period is only 5 years (qualifying assets / 60 months).

Program features:

  • Loan amount is up to 75% of assets
  • Primary Residence:
    – Up to 80% LTV for Purchase and R/T Refinances
    – Up to 70% LTV for Cash-Out Refinances
  • Investment Properties and Second homes:
    – Up to 70% LTV for Purchase and R/T Refinances
    – Up to 65% LTV for Cash-Out Refinances
  • Borrower must have no mortgage delinquency in the last 3 years
  • Cash out is not used as qualifying assets

LendSure Mortgage Rate Buy-Down

LendSure Financed Rate Buy-Down

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LendSure Financed Rate Buy-Down

Finance Lender or Broker Points with No Additional Cash at Closing

LendSure offers borrowers the additional flexibility to buy down their rate and finance the points.

Program features:

  • Lender and broker points can be financed into the loan (up to 2.5%)
  • Financed points do not raise the LTV pricing bucket
  • Up to 87% LTV when financing points (at the 85% pricing tier)
  • Borrower does NOT have to bring additional cash to close
  • Lower rate significantly lowers the borrowers’ monthly payment
  • Finance broker points for borrower-paid comp

ITIN Mortgage Loan Programs

ITIN Mortgage Loan Program

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LendSure’s New ITIN Loan Program

Bank Statement Loans with No Social Security Number

With almost 30 million ITIN (Individual Tax Identification Number) holders in the United States, the
market opportunity for loans is huge for this underserved market. LendSure’s unique ITIN program
offers both Full Doc and Bank Statement options, low reserves, and no credit score required, so you can
attract a wider range of borrowers.

Program features:

  • Full Doc or 24-Month Bank Statements
  • No credit score required (purchase only with LTV up to 70%)
  • Loan amounts up to $1,000,000
  • Up to $500,000 cash out
  • Up to 75% LTV for purchases and 70% for R/T Refinance
  • Low reserve requirements
  • Gift funds allowed
90% LTV Bank Statement No MI

Bank Statement Loan Programs

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90% LTV Bank Statement Program with No MI

We’ll Calculate the Bank Statement Income For You Without a Full Loan Package

Offer business owners our highly competitive 12- or 24-month bank statement loan program with up to 90% LTV and no mortgage insurance. As always, LendSure will calculate the bank statement income for you and our highly experienced team members can provide common-sense approvals and pricing within 24 hours.

Program features:

  • P&L statements NOT required on most programs
  • Highly competitive rates and unsurpassed funding times
  • Business bank statements and personal bank statements permitted
  • Multiple business bank accounts permitted
  • Borrower does not have to be 100% owner of the business
  • Business expense ratio as low as 0% for personal and 10% for business bank statements
  • Common-sense consideration of NSFs and overdrafts

Non-QM Loan Programs

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Non-QM Loan Programs for Today’s Borrowers

We’ll give you more ways to say ‟YES” to your borrowers

At LendSure, we know that in today’s environment every loan opportunity is precious. That’s why we offer a comprehensive range of loan programs for borrowers that don’t fit conforming guidelines.

Loan Programs Include:

  • 12- and 24-Month Bank Statement Loans
  • “Just Missed” Agency (Alt-A)
  • Property Investor Loans
  • Common-sense underwriting for borrowers with some credit issues
  • Foreign National Programs
  • Other Non-QM Programs

LendSure’s exclusive pre-underwriting process goes beyond a simple prequalification. An experienced, in-house professional reviews each submission and provides common-sense approvals and pricing usually within 24 hours. You can say “YES” with confidence, knowing that LendSure has minimized surprises down the road.

Contact your LendSure Account Executive to talk through your borrower’s loan scenario.

Contact Us: (888) 707-7811