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Solutions for Self-Employed Borrowers

An alternative for self-employed borrowers, who may qualify using bank statements.

Portfolio C Bank Statement Programs

Program details:
12 or 24 Month Personal or Business Bank Statements Loan amounts $250,000 – $2,000,000
Max 50% DTI
Bank Statement Income can be combined with wage earning spouse income

Primary and Second Homes:
• 80% LTV with 680 FICO Score
• 60% LTV 661 FICO Score

Investment Properties

  • 75% LTV with 740 FICO Score
  • Purchase, Refinance and Cash-out transactions available (LTV Reduced on C/O)
Rental Income Simplified Experience (RISE)

Whether you are just getting started with your investment portfolio, or an experienced investor, RISE may take you to the next level, program highlights include:

  • Investment properties only
  • Min Loan amount $100,000
  • Max Loan amount $2,000,000
  • 80% LTV at 700 FICO
  • 75% LTV at 680 FICO
  • DSCR down to .75
  • First time investors allowed at 75% LTV (FTHB not allowed) Foreign Nationals eligible
  • Gift funds permitted with 10% borrower funds
  • Vesting in entities permitted (LLC, Corporations)
The Foreign National Program

A Supreme Loan for Your New Home
With our commitment to helping people achieve the dream of homeownership in the United States, Supreme Lending offers special mortgage programs for foreign nationals. These loans will be considered on a case-by-case basis with verified credit references and a valid passport.

Borrower Requirements:

• Two years of income documentation from their country of origin
• Asset verification from an international banking institution
• 20 months reserves for all monthly expenses
• Reserve deposit account set up with four months of principal, interest,
taxes, and insurance
Program Details:
• Primary residences, second homes, and investment properties
• Up to 65% Loan-to-Value (LTV)

Supreme Lending Beyond ITIN*
Are you an ITIN borrower who thought homeownership was out of reach?
We have great news! Supreme Lending’s new BEYOND program allows ITIN borrowers to enter into homeownership with just 3.5% down.
• No credit score required ITIN.
• DACA borrowers are eligible!
• No seasoning required on Assets like Checking/Savings accounts, 401(k) accounts, stocks and mutual funds, etc.
• Self-employed borrower with less than 1 year income eligible

*Ineligible states: AK, some parts of FL and NY