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One Month Bank Statement & VOE

Rate Sheet & Matrix:

  • Self-employed Borrowers (two-year history required by (i) CPA Letter or (ii) Articles of Inc.)
  • U.S. residents
  • First Time Home Buyers Qualify (see details below)
  • Purchase Max LTV of 75%
  • Refinance Max LTV of 70% (rate and term or cash out)
  • Borrowers with a minimum Credit Score of 600
  • No credit events within the last five (3) years including and mortgage (minimum twenty four (24) month recent mortgage history required)
  • Maximum loan amount of $7,500,000
  • Minimum loan amount of $150,000
  • Owner-occupied transactions including second homes
  • SFR / Condo / Townhouse Property Types
  • Most recent personal account’s bank statement with no NSFs and positive ending statement
  • Closing Funds may come from the account provided for qualifying income and an Escrow Deposit Receipt is required (only one month’s statement is required for assets)
  • Cash out is unlimited, unless otherwise limited specific within CSC’s programs generally
  • Property must be in good condition and conform to the area
  • Rural properties (conditions apply)

***First Time Home Buyers ("FTHB")***

  • 70% MAX. LTV/CLTV or 65% for Loans ≥ $1,000,000
  • Min. 24-Month rental history

* CSC charges standard administration fees

Submitting A Loan To Citadel Servicing Corp