• We now offer a 40-year loan with the first 10 years as interest only, enjoy a low monthly mortgage payment!!!
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Coop Investments
bank statemen program

Non-Conforming Loan Programs

SBA Loans 

  • Purchase, Refinance, Rehabilitation and Construction
  • 100% LTV
  • Obtain financing needed to operate a small business

No Income Verification 

  • No Tax Return Required
  • 30% Down payment
  • Loan Amounts Up to 5 Million

Bank Statement Program 

  • No P&L Statement is required
  • Maintain Separate Personal and Business Accounts
  • Only Use Business Bank Statements to Qualify your Loan

No Ratio Mortgages 

  • Loan-to-value ratio as high as 75%
  • Up to 100% of borrower funds may come from gifts
  • No restrictions on cash-out financing

Non-Warrantable Condos 

  • Less strict guidelines
  • Projects 10-30 units.
  • Offered as both Non-Agency and our Non-QM program

Synagogue Loan Financing 

  • We offer synagogue mortgages from $50K to $500K
  • Loans above $100K feature a 25-year fixed rate
  • Interest rates are between 10.99% and 12.375%

Investment Properties  

  • Loan amounts from $100,000 to $2,000,000
  • 85% LTV
  • Unlimited financed properties

Stated Income  

  • Loan Amounts up to $2 million
  • Up to 65% loan-to-value
  • Purchase or refinance

Foreign National Mortgage  

  • Qualify with full documentation OR assets only
  • No work visa required
  • No income documentation required

Mixed Use Mortgage  

  • 7/7 ARM balloon options
  • No Income Verification Loan
  • 75% loan-to-value

Stated Income Mortgages 

  • 75 percent loan-to-value
  • 30-day closing time
  • Wide range of commercial property types

Fannie Mae Mixed Use Mortgage 

  • Borrower is primary owner operator of the business
  • Borrower must occupy the property as their primary residence
  • Residential mortgage loans for mixed use properties

Investment Coops

  • Competitive interest rates
  • Reasonable loan terms
  • Fast approval

CashFlow Program 

  • Generate income from investment property
  • Purchase a rental property
  • Refinance a rental property with proceeds for bona-fide business use

Asset Utilization Loan Program 

  • Increases your loan amount
  • Liquid assets qualify
  • Non-traditional income streams qualify

Church Loan Financing 

  • Financing for churches of any denomination
  • Any size congregation
  • Mortgages from $50K to $500K

No Income Check Mortgage 

  • No Tax Returns Required
  • No Pay-Stubs Required
  • No W2’s Required

Mixed-Use Property Financing for Primary Residence 

  • FHA financing for a mixed-use property
  • Combined office/living space
  • Invest in commercial property with a residential loan

Business Lines of Credit 

  • Increase inventory
  • Purchase necessary business equipment
  • Manage cash flow

Land/ Farm Loans 

  • Unconventional structures
  • Experts in rural financing
  • Competitive pricing and flexible programs

No Income Verification Loans For Cooperatives 

  • Loans available for up to $2 million
  • 60 percent loan-to-value for jumbo loans
  • No Income verification

Jumbo Construction Loans 

  • Loan-to-value ratio is 90 percent
  • Only interest is payable during the construction period
  • One-time closing

Qualify with 1 Year Income 

  • Loans from $100,000 – $3,000,000
  • Foreign Nationals permitted
  • All occupancy types allowed

Personal Bank Statement Loans

  • Loans up to $2,500,000
  • Cash-out option up to $1,000,000
  • Minimum credit score of 620

*This product is not regulated by the New York State Department of Financial Services

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