Residential
Own Your Home.
On Your Terms.
No tax returns, no stress. Just smart, flexible mortgage solutions.
Self-Employed Home Loans
Built for business owners who deserve approval - without the outdated rules of traditional lenders.
Bank Statement Loan
To qualify for this loan, we allow the use of 12 and 24 months of business or personal bank statements for income rather than tax returns.
Program Highlights
FICO 580+
Up to 90% LTV
30 Year Fixed and ARM Options
Loan amounts up to $4 million
12 months removed from bankruptcy or foreclosure
Combination of business and personal bank statements allowed
Investment Property Loan
Our TAG Investment Property Loan allows a borrower to purchase or re-finance a property without any sort of income (no employment, no tax returns, W2s, or paystubs). This loan is based on the rental income generated from an investment property rather than your personal/business income.
Program Highlights
FICO 599+
Up to 80% LTV
Loan amounts up to $3 million
30 Year Fixed and ARM Options
No income or employment verification
DSCR as low as 0
Cash-out proceeds may be used for reserves
Eligible for Non-Permanent Residents and Foreign Nationals
Profit & Loss Program
With TAG’s P&L Program, borrowers can qualify for a loan based on the strength of their business’s Profit & Loss (P&L) statement only. No bank statements are required.
Program Highlights
FICO 580+
Up to 85% LTV on 2 Year P&L
Up to 80% on 1 Year P&L
30 Year Terms and ARM Options
Max DTI 55%
Loan amounts up to $4 million
P&L by Licensed CPA, Enrolled Tax Agent, or Licensed Tax Preparer
No bank statements required
Fix N Flip Loan
Our TAG Fix N Flip loans are perfect for investors looking to fix and flip a home.
Program Highlights
Up to 90% LTV
Up to 100% of renovation/rehab costs
Interest only, 12-24 month terms
Fully amortized – interest stops when loan is paid in full
1099/WVOE Programs
TAG uses the actual wages from your 1099 form as qualifying income for your new home loan. Alternatively, we offer a Written Verification of Employment (WVOE) Program as well.
Program Highlights
FICO 580+
Up to 80% LTV for WVOE
Up to 90% LTV for 1099
Loan amounts up to $4 million
DTI 55% Max
Cash out available
Completed FNMA Form 1005 for 2-year history with the same employer
Non-Permanent Resident Program
We specialize in home loans for non-U.S. citizens who are authorized to live and work in the U.S. on a temporary basis.
Program Highlights
FICO 620+
Up to 90% LTV
30 Year Terms
Bank statements allowed
Foreign National Program
TAG’s Foreign National Program helps international borrowers purchase or refinance U.S. property with flexible, documentation-light guidelines.
Program Highlights
No FICO score required
Up to 80% LTV
30 Year Terms
Loan amounts up to $3 million
Cash-out allowed
Debt service coverage ratio as low as 0
CPA Letter covering last 2 years & year-to-date
One bank reference letter
Overseas assets allowed as reserves
Gift funds allowed
Asset Utilization Home Loan
Asset Utilization home loans allow borrowers to use their assets as a means to qualify for a home loan. Whether you are an investor, self-employed, an entrepreneur, retired, or simply living off investments, this program allows you to qualify.
Program Highlights
FICO 580+
Up to 80% LTV
Cash-out up to 75% CLTV
Savings and checking 100%
Securities at 90%
Retirement at 70%
Cash out available
Income calculation – all eligible assets divided by 60