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Featured Program

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%)
  • 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
Investment Property Financing Options

Comprehensive Financing Options for Investment Properties

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Full Doc & 12- & 24-Month Bank Statement

  • Up to 80% LTV Purchase | 70% LTV Refi
  • Loan Amount up to $3,000,000
  • Cash Out Up to $500,000

Investor Cash Flow (DSCR)

  • Debt Service Coverage Ratio of .75 for Purchase and 1.0 for Refis
  • Up to 80% LTV
  • Loan Amount up to $1,000,000
  • Cash Out Up to $500,000

Foreign National

  • Up to 75% LTV
  • Loan Amount up to $500,000
  • Cash Out Up to $500,000

Across All Programs

  • Qualify on 10-Year Interest Only – Great for cash flow!
  • Buy Down Rate with No Additional Cash at Closing
  • No Reserves Required for LTV under 65%
  • Highly competitive rates and unsurpassed funding times

Cash out up to $1,000,000

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Whether your borrower is self-employed, a foreign national, or a property investor, LendSure offers cash-out options so that they can access the equity in their homes. LendSure offers cashout programs up to $1,000,000 and it’s available across practically all our Non-QM loan programs.

Non-QM Cash Out

  • Available across all loan programs, including 12- and 24-Month Bank Statement
  • DSCR interest only cash-out qualifies on the IO payment with loan amounts up to $1,000,000
  • Cash out can be applied to reserves
  • Available for Non-Warrantable condos
  • Exceptions to cash-out amount will be considered based on overall profile

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

2-Month Bank Statement

New 2-Month Bank Statement Program

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LendSure now offers a 2-Month Bank Statement Programs come with extensive, common-sense prequalification, usually within 24 hours. You can say yes with confidence, knowing that LendSure has minimized surprises down the road.

  • Only 2 months of Personal or Business Bank Statements needed
  • 12 months of 3rd Party CPA prepared P&L statements required
  • Available for owner-occupied properties
  • Highly competitive rates and unsurpassed funding times
  • LTV up to 70%
  • Loan amounts up to $3,000,000
  • Borrower does not have to be 100% owner of the business
  • Business expense ratio as low as 10%
  • Must be self-employed in the same business for 2 years
  • 720 minimum credit score

Our knowledgeable Account Executives are experts in Non-QM loans and will help you find solutions for your borrowers so you can close more deals each month. Contact your LendSure Account Executive to talk through your borrower’s loan scenario.

Non-QM Program Enhancements

Non-QM Program Enhancements – March 2021

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General Enhancements

  • Up to 90% LTV for First-Time homebuyer
  • No adder for 24-month Bank Statements – Pricing is the same as Full Doc!
  • No reserve requirements for:
    • Purchase loans with LTV up to 65%
      OR
    • FICO over 740 in Expanded Approval

2-Month Bank Statement Program

  • Only 2 months of Personal or Business Bank Statements needed
  • 720 Minimum FICO
  • Loan amounts as high as $2,000,000
  • LTV up to 70%
  • Must be self-employed in the same business for 2 years
  • 12 months of 3rd Party CPA prepared P&L statements required

One Year Income Doc Program

  • One year W2 + Recent Pay Stubs or one year 1099
  • LTV to 80%

DSCR

  • DSCR as low as .75
  • Up to 80% LTV for Purchase & 75% LTV for R/T or Cash-out Refi
  • No reserves required for LTV up 65% LTV and Only 3 months reserves required over 65%
  • Cash out may count towards reserves

Foreign National

  • Up to 75% LTV for purchase transactions
  • No reserves required for LTV up 65% LTV and Only 3 months reserves required over 65%
  • Cash out may count towards reserves

Condotel Loans

  • Up to 75% LTV for Purchase Loans
  • Up to 70% LTV for R&T Refinances
  • Up to 65% LTV for Cash-Out Refinances

12-Month and 24-Month Bank Statement Loans

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12- Month and 24-Month Bank Statement Loans

Loan Programs Designed For Self-Employed Borrowers

Offer self-employed borrowers loan programs designed around their unique needs. LendSure’s bank statement loans feature common-sense underwriting that considers the challenges of self- employed borrowers.

Program Features:

  • All pre-qualifications are performed by experienced, in-house professionals, usually within 24 hours
  • P&L statements NOT required on most programs
  • LTV up to 90%
  • Loan amounts up to $3,000,000
  • Multiple business bank accounts permitted
  • Business bank statements and personal bank statements permitted
  • Business expense ratio as low as 10%
  • Borrower does not have to be 100% owner of the business
  • Common-sense consideration of NSFs and overdrafts
  • Highly competitive rates and unsurpassed funding times

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

Fast Funding for Fannie Mae Fallout

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Fannie Mae Fallout Funding

Fund in Days with Fast-Tracked, Common-Sense Underwriting (Contact us 24 Hours A Day)

Did you just have a loan fall out from Fannie Mae? LendSure is ready to rescue your fallout loans and fund them within days. Submit your loan package and transferred appraisals, and our team of experienced professionals will provide fast-tracked, common-sense underwriting to get you funded on time.

  • Transferred AMC appraisals accepted
  • Unsurpassed funding times
  • Common-sense exceptions
  • P&L statements NOT required on most bank statement programs
  • Programs include 12 and 24-Month Bank Statement Loans, “Just Missed” Agency (Alt-A), Property Investor Loans, Foreign National Programs and other Non-QM Programs

Call or text your LendSure Account Executive’s mobile phone 24 hours a day / 7 days a week to get your fallout loan package funded within days.

90% LTV Bank Statement No MI

Bank Statement Loan Programs

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

 

Offer business owners our highly competitive 24-month bank statement loan program with up to 80% LTV. 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.

Innovative Investment Property Loans

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Industry Leading Investment Property Loans

New Financing Solutions For Today’s Property Investors

At LendSure, we understand the unique needs and challenges of property investors. That’s why we offer innovative solutions and common-sense underwriting designed to provide them with more options, great rates, and a smooth funding experiences.

  • Unique rental income calculation resulting in lower DTIs and better rates (ask for a demonstration)
  • Loan amounts up to $1,000,000
  • Full Doc, Bank Statement, DSCR, Stated-Income and No-Ratio Loan options
  • Industry-leading funding times
  • Up to 10 loans for any one investor
  • DTIs up to 50%
  • Non-owner, non-warrantable condos permitted
  • Highly competitive pricing for lower LTV loans
  • Rate buy-down feature available

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

Contact Us: (888) 707-7811