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– AAA Lendings Affordable Housing Portfolio Loan – AAA Lendings Detail:

Affordable Housing Portfolio Loan L


Affordable Housing Portfolio Loan offer flexible underwriting, highly competitive rates and fixed or variable-rate financing options with certainty and speed of execution.


7/6 ARM (30-Day Avg. SOFR)

1) Max. LTV 80%;
2) Max. Loan Amount $1,500,000;
3) All scenarios require 12 months P&I in the U.S. Financial Institution as reserves;

4) Primary Transaction must be CRA Eligible Loan:
①LMI of less than 80% of FFEIC median income for census tract; or
②Subject Property Located in LMI geographic location.

5) Investment Transaction must be CRA Eligible Loan:
①Subject Property Located in LMI geographic location.

* Cash Out/FN is Not Available
* Second Home Transaction is Ineligible

★Most recent 2 months bank statement required.
★Business funds may be used up to 100% of current balance if borrower can demonstrate 100% ownership of the business.
★Gift is allowed for 100% of down payment for all occupancies and properties, but no gift funds can be used for reserves.
★Subject property cannot be listed for sale at the application date.

★Max Front-End/Total Debt-to-Income (DTI) ratio allowed: 38%/50%.
★No AUS required – Manually Underwritten
★Qualifying Interest Rate: Higher of fully-indexed rate or note rate.
★Condo must be warrantable by Fannie Mae; non-warrantable condominiums will be reviewed on an individual basis.
★Transaction must be an Arms-Length Transaction.
★Appraisal guideline: One Full Appraisal and One Automated Valuation Model.

 Elite P&L 

①.YTD + 2021 one full year P&L Stmt completed by CPA.
②.CPA Letter (from CPA that prepared previous 2 years tax returns) verifying prepared business ownership and same location for at least 2yrs & 2yrs business license.

 Elite WVOE 

Completed by Employer

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Our organization sticks to your principle of "Quality may be the life of your organization, and reputation will be the soul of it" for – AAA Lendings Affordable Housing Portfolio Loan – AAA Lendings , The product will supply to all over the world, such as: Oslo, Peru, Lyon, Each product is carefully made, it will make you satisfied. Our merchandise in the production process have got strictly monitored, because it is only to supply you the best quality, we'll feel confident. High production costs but low prices for our long-term cooperation. You can have a variety choices and the value of all types are same reliable. If you have any question, do not hesitate to ask us.
  • Adhering to the business principle of mutual benefits, we have a happy and successful transaction, we think we will be the best business partner.
    5 Stars By Hilary from UK - 2017.10.25 15:53
    The customer service staff's answer is very meticulous, the most important is that the product quality is very good, and packaged carefully, shipped quickly!
    5 Stars By Dawn from Croatia - 2018.11.22 12:28