ATR in Full

ATR in Full  &  Asset Depletion

Introducing ATR in Full

Qualify with enough Liquid Assets to cover the loan balance!
NO MONTHLY INCOME REQUIREMENT!

Highlights:

  • Your Borrower Does NOT have to be currently Employed
  • You Only Need to Show Two Months of the Qualifying Account
  • Up to 75% LTV - Purchase or C/O Refinance
  • Down to 600 Fico Owner-Occupied or Investment property

How It's Calculated:

  • If the total assets cover the loan balance, you’re done!

ASSET DEPLETION

The Most Innovative Asset Depletion Program in the Industry
Use 100% of Liquid Assets to cover 7yrs or 84 Months of PITI
& Liabilities!

Highlights:

  • Your Borrower Does NOT have to be currently Employed
  • This Program can be combined with any other Citadel Income Program!
  • You Only Need to Show Two Months of Statements for the Qualifying Account
  • 50% DTI - Up to 90% LTV - Purchase or Cash-out Refinance
  • Down to 500 Fico Owner-occupied or Investment

How It's Calculated:

  1. 84 Months Divided by the Total Assets to be Used
  2. Ex. $200,000 in Liquid Assets = $2,380  Additional Monthly Income!
  3. Letter Of Explanation (LOE) Documenting Source and Contemplated Depletion

 

To learn more, use the form below, and one of our AEs will be in touch with you promptly.

 

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