Products / Full Matrix

15 Programs

Every layer of the core sample.

Filter by borrower profile to find the right program, then pull the guide or matrix. Every scenario is priced by a dedicated Non‑QM desk — off‑sheet pricing available on request.

A′Prime

Alpha Prime

Full Doc & Bank Statement
Min FICO
680
Max LTV
90%
BK Season
48 mo
Housing Event
48 mo
Loan Amount
to $3.0M
Rate Type
Fix/ARM/IO
Guides & matrix →
ΑStandard

Alpha

Full Doc & Bank Statement
Min FICO
660
Max LTV
90%
BK Season
12 mo
Housing Event
12 mo
Loan Amount
to $5.0M
Rate Type
Fix/ARM/IO
Guides & matrix →
ΒFlexible

Beta

Full Doc & Bank Statement
Min FICO
620
Max LTV
85%
BK Season
0 mo
Housing Event
0 mo
Loan Amount
to $3.0M
Rate Type
Fix/ARM/IO
Guides & matrix →
JJumbo

Jumbo

Full Doc & Bank Statement
Min FICO
620
Max LTV
90%
BK Season
48 mo
Housing Event
36 mo
Loan Amount
to $20.0M
Rate Type
Fix/ARM/IO
Guides & matrix →
ΔInvestor

Delta

Full Doc, DSCR & No Ratio
Min FICO
620
Max LTV
85%
BK Season
24 mo
Housing Event
24 mo
Loan Amount
to $5.0M
Rate Type
Fix/ARM/IO
Guides & matrix →
ΖForeign Nat'l

Zeta

Full Doc, DSCR, Asset Depletion
Min FICO
Not req.
Max LTV
75%
Requires
Passport + Visa
Property
2nd Home / Inv.
Loan Amount
to $3.0M
Collateral
SFR–4 Unit
Guides & matrix →
PMBespoke

Private Money

No Ratio, DSCR, Full Doc
Min FICO
None
Max LTV
Per scenario
Seasoning
None
Loan Amount
to $50.0M
Rate Type
Fix/ARM/IO
Guides & matrix →
BRBridge

Bridge

No Ratio, DSCR, Full Doc
Min FICO
600
Max LTV
Per scenario
Seasoning
None
Loan Amount
to $50.0M
Rate Type
Fix/ARM/IO
Guides & matrix →
FLFix & Flip

Flip

No Doc, Full Doc, DSCR
Min FICO
600
Max LTV
90%
Investor
Seasoned / New
Loan Amount
to $10.0M
Collateral
SFR–4 Unit
Guides & matrix →
ΓMulti‑Unit

Gamma

No Ratio, DSCR, Full Doc
Min FICO
660
Max LTV
75%
BK Season
24 mo
Housing Event
24 mo
Loan Amount
to $50.0M
Rate Type
Fix/ARM/IO
Guides & matrix →
ΩNonQM Jumbo

Omega

Full Doc, Alt Doc
Min FICO
720
Max LTV
70%
BK Season
48 mo
Housing Event
48 mo
Loan Amount
to $10.0M
Rate Type
Fix/ARM/IO
Guides & matrix →
Σ2nd Mtg / HELOC

Sigma

Full Doc, Alt Doc, DSCR
Min FICO
660
Max LTV
90%
Turn Time
Quick
Property
Primary/2nd/Inv.
Loan Amount
to $500K
Collateral
SFR–4 Unit
Guides & matrix →
SCSmall Commercial

Small Commercial

No Ratio, DSCR, Full Doc
Min FICO
620
Max LTV
75%
BK Season
24 mo
Housing Event
24 mo
Loan Amount
to $50.0M
Rate Type
Fix/ARM/IO
Guides & matrix →
CMCommercial

Commercial

No Ratio, DSCR, Full Doc
Min FICO
620
Max LTV
Per scenario
BK Season
24 mo
Housing Event
24 mo
Loan Amount
to $50.0M
Rate Type
Fix/ARM/IO
Guides & matrix →
CNGround Up

Construction

Full Doc, Alt Doc, DSCR
Min FICO
620
Max LTV
Per scenario
Investor
Seasoned / New
Loan Amount
to $50.0M
Rate Type
Fix/ARM/IO
Guides & matrix →

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