Experience

Excelerate Capital

• United States
• Financial Services
• 100 - 200 Employee

• Wholesale Manager

  • Sep 2015 - Present

  Here at Excelerate Capital, where we specialize in Alt-A lending. We are able to help borrowers qualify for loans that are well priced and open the doors for borrowers that may have just missed qualifying for a conventional or Jumbo loan. I have had a great deal of success in bringing these types of files back to life. Please visit our website for our Guidelines and updated rate sheets. http://www.ec-tpo.com We have some very aggressive Alt-A Programs: Alt-A Diamond – Owner Occupied & 2nd Homes – 3 Different Doc Types Available • Full Doc • 24 Months Bank Statements (Personal or Corp – OK) • 12 Months Bank Statements (Personal only) • Past Credit Issues – Short Sale-Foreclosure-BK - 1 Day Seasoning • Low FICO - 580 • Loan - Up to $3,000,000 • Max LTV 80% • 50% DTI • Use primary wage earners FICO providing his/her income is > 55% of total household • Reserves – 2 Months PITI • Unlimited Cash Out for Single Family Residence • Non-Warrantable Condo’s • Gift Funds Allowed These loans work best for those individuals that were negatively affected by the mortgage crisis and/or individuals that are Self Employed. Alt-A Diamond Plus – Investment Properties Only - 4 Different Doc Types Available • Full Doc - Max LTV 80% • Use primary wage earners FICO providing his/her income is > 55% of total household • 24 Months Bank Statements (Personal or Corp – OK) Max LTV 75% • 12 Months Bank Statements (Personal only) Max LTV 75% • Stated Income / Verified Asset – Max LTV 75% • Low FICO – 580 • No 4506-T Required for Bank Statement or Stated Income • Reserves - 12 Months PITI + 2 months each additional financed property • BK Seasoning: Chapter 7, 11, 13 Dismissal - 36 Month Seasoning • BK Seasoning: Chapter 13 Discharge - 12 Month Seasoning • Foreclosure - 36 Month Seasoning • Short Sale / Deed-in-Lieu - 12 Month Seasoning Show less



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