Our Loan Programs
EC has a number of alternative lending program options offered:
MIN660FICO Score
UP TO90%Max LTV
UP TO55%DTI Ratio
UP TO$3MMax Loan Amount
DOC TYPES
- 1 or 2 Year’s Tax Returns
- 1 or 2 Year’s 1099
- 12 or 24 Month Bank Statement
- 12 or 24 Month Profit and Loss
- Asset Utilization
- Written VOE
LTV / CLTV LIMITS
- Cash Out 85%
- Condo 90%
- 2-4 Units 85%
- Rural 75%
- NW Condo 80%
MIN580FICO Score
UP TO90%Max LTV
UP TO50%DTI Ratio
UP TO$3MMax Loan Amount
DOC TYPES
- 1 or 2 Year’s Tax Returns
- 1 or 2 Year’s 1099
- 12 or 24 Month Bank Statement
- 12 or 24 Month Profit and Loss
- Asset Utilization
- Written VOE
- Profit and Loss Only
LTV / CLTV LIMITS
- Cash Out 80%
- Condo 85%
- 2-4 Units 85%
- Rural 75%
- NW Condo 80%
MIN640FICO Score
UP TO75%Max LTV
UP TO50%DTI Ratio
UP TO$1.5MMax Loan Amount
DOC TYPES
- 1 or 2 Year’s Tax Returns
- 1 or 2 Year’s 1099
- 12 or 24 Month Bank Statement
LTV / CLTV LIMITS
- Cash Out 70%
- Condo 80%
- 2-4 Units 80%
- Declining Markets 70%
- For Sale By Owner 80%
MIN600FICO Score
UP TO80%Max LTV
MIN0.625DSCR
UP TO$3MMax Loan Amount
DOC TYPES
- DSCR < 1.00
- DSCR ≥ 1.00
LTV / CLTV LIMITS
- Cash Out 80%
- Condo 80%
- 2-4 Units 80%
- Rural 75%
- NW Condo 80%
MIN660FICO Score
UP TO70%Max LTV
MIN1.00DSCR Ratio
UP TO$3MMax Loan Amount
DOC TYPES
- DSCR ≥ 1.00
LTV / CLTV LIMITS
- Cash Out 70%
VERIFIED1Tradeline
UP TO75%Max LTV
MIN0.75DSCR
UP TO$3MMax Loan Amount
DOC TYPES
- Asset Utilization
- DSCR > 0.75
LTV / CLTV LIMITS
- Cash Out 70%
- Condo 65%
- 2-4 Units 65%
About Eric Robb
Eric Robb
90% LTV DSCR
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