Six standout mortgage programs selected for flexible qualification paths, specialized borrower needs, and clearer choices.
THE GOLDEN PROGRAMS COLLECTION
Six standout programs. One clearer comparison.
Compare the defining benefits, documentation paths, and borrower profiles of each Golden Program—side by side and without the guesswork.
01GOLDEN PROGRAM
Conventional & Jumbo Loans
KEY PROGRAM DETAILS
Competitive fixed- and adjustable-rate options
Loan amounts up to $1,500,000
Available for primary residences, second homes, and condominiums
Debt-to-income ratios up to 45%
Multiple loan terms available
WHO IT MAY SUIT
Borrowers with strong credit who want competitive rates and terms for purchasing or refinancing a primary residence or second home. Eligible property types include single-family homes, townhomes, and approved condominiums.
02GOLDEN PROGRAM
DSCR Investment Property Loans
KEY PROGRAM DETAILS
Qualification based on rental property cash flow, without personal income documentation
Loan amounts from $100,000 to $4,000,000
Minimum 20% down payment
No employment verification
DSCR may be as low as zero
Short-term rental properties may qualify, including Airbnb
Cash-out refinancing available
WHO IT MAY SUIT
Real estate investors who want rental income to drive qualification and support portfolio growth. Single-family rentals, multi-unit properties, and short-term vacation rentals are evaluated primarily on property cash flow rather than personal income.
03GOLDEN PROGRAM
Bank Statement Loans
KEY PROGRAM DETAILS
Loan amounts up to $4,000,000
Financing up to 90%
Minimum 660 credit score
No-mortgage-insurance options available
Qualification using 12 months of bank statements
40-year loan term available
WHO IT MAY SUIT
Self-employed borrowers who can demonstrate strong cash flow through bank statements rather than tax returns. Especially relevant for business owners, freelancers, and independent contractors seeking competitive loan terms.
04GOLDEN PROGRAM
Non-QM Loans
KEY PROGRAM DETAILS
Loan amounts from $150,000 to $3,000,000
Minimum 20% down payment
Debt-to-income ratios up to 55%
No traditional income documentation required
Flexible underwriting criteria
WHO IT MAY SUIT
Self-employed borrowers, business owners, foreign nationals, and asset-based borrowers who may not fit traditional underwriting standards. Designed to offer more flexible paths for borrowers with nontraditional income sources.
05GOLDEN PROGRAM
No Income / No DTI Loans
KEY PROGRAM DETAILS
No income or employment verification
Loan amounts from $150,000 to $3,000,000
Minimum 30% down payment
Minimum 680 credit score
Available for primary residences, second homes, and investment properties
Interest-only options available
WHO IT MAY SUIT
Borrowers who prefer not to disclose income details, retirees with significant assets, high-net-worth individuals, and investors with complex financial portfolios. Qualification is based on assets and credit profile rather than traditional income documentation.
06GOLDEN PROGRAM
Foreign National Loans
KEY PROGRAM DETAILS
No employment or income verification
No DTI limit; primary residences may qualify
Financing may be available without a FICO score
F, B, J, and other visa categories may be considered
Purchase transactions may require as little as 40% down
Gift funds may be used toward the down payment
Rental properties generally require 50% LTV
Consistent pricing across the scenarios listed above
WHO IT MAY SUIT
Foreign nationals with student visas (F1), work visas (including H1B and L1), visiting scholar visas (J1), DACA status, or an ITIN-only profile. Designed to support qualified international buyers with or without established U.S. credit.
Ready for a clearer next step?
Review your goals with a loan advisor and move forward with a plan that fits.
