12 & 24-month programs feature common-sense underwriting that considers the challenges of self-employed borrowers.

Program Features:

•  All pre-qualifications are performed by experienced, in-house professionals, usually within 24 hours

•  P&L statements NOT required on most programs

•  LTV up to 90% with no mortgage insurance

•  Loan amounts up to $3,000,000

•  Multiple business bank accounts permitted

•  Business bank statements and personal bank statements permitted

•  Business expense ratio as low as 10%

•  Borrower does not have to be 100% owner of the business

•  Common-sense consideration of NSFs and overdrafts

•  Highly competitive rates and unsurpassed funding times

•  W-2 with Bank Statements combinations allowed

•  Others lenders’ transferred appraisals accepted

•  DTI’s up to 50%

•  5/1: 7/1: Fixed: and Interest Only

•  Owner Occupied: 2nd Homes: Investment Properties

•  SFR: Condos: PUD: Townhome: 2-4 Unit: Non-warrantable Condo’s

•  U/W Exceptions can be made on a case by case basis

•  Rate Cutter allows borrowers to buy down the rate and finance points: 80% LTV and below up to (82% LTV)

•  Asset-Depletion Compute monthly income based on borrower’s age & asset. Helpful for unemployed borrowers

•  Foreign National Loan Program

•  Income verification letter from employer or CPA accepted

•  No tax returns required

•  Foreign credit report allowed

•  LTVs up to 75%

•  Various Visa types accepted

First Home Capital Inc
Corporate Office:
7473 West Lake Mead Blvd.
Suite 100
Las Vegas, Nevada 89128
CA Branch:
8939 South Sepulveda Blvd.
Suite 102
Los Angeles, CA 90045
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