More Financing Options. More Ways to Qualify.

Finding the right mortgage isn't always about fitting into traditional lending guidelines. The Sharp A+ Program is a flexible Non-QM financing solution that offers multiple income documentation options, loan amounts up to $3 million, and financing up to 90% loan-to-value (LTV) for qualified borrowers.

Whether you're purchasing a primary residence, second home, or investment property, the Sharp A+ Program provides financing solutions designed to accommodate a variety of financial situations.

Program Highlights

• Up to 90% LTV financing
• Loan amounts from $150,000 to $3 million
• Available for Primary Residences, Second Homes, and Investment Properties
• Fixed Rate, ARM, and Interest-Only loan options
• Purchase, Rate & Term Refinance, and Cash-Out Refinance are available
• Maximum 50% DTI for eligible borrowers
• Minimum 660 FICO (program eligibility varies by loan amount and LTV)

Flexible Income Documentation Options:

The Sharp A+ Program offers several ways to qualify based on your income documentation.

• Full Documentation

Traditional income verification using W-2s, tax returns, pay stubs, and verification of employment. Self-employed borrowers may qualify using personal and business tax returns with supporting documentation.

• Streamlined Documentation

Eligible borrowers may qualify using one year of income documentation, reducing the amount of paperwork required while maintaining a fully documented loan process.

• Bank Statement Qualification

Personal and business bank statement options are available, providing an alternative way to document income. Business borrowers may also qualify using approved expense ratio methods or third-party-prepared financial statements.

• Asset Depletion

Qualified borrowers may use eligible assets as a source of qualifying income, subject to program requirements.

• CPA / EA / CTEC Prepared Profit & Loss

A CPA, EA, or CTEC-prepared Profit & Loss statement may also be used for qualifying under eligible program guidelines.

Eligible Property Types

The Sharp A+ Program can be used to finance:

• Primary Residences
• Second Homes
• Investment Properties

The program also permits financing for warrantable and eligible non-warrantable condominiums, along with certain rural properties, subject to program guidelines and LTV limitations.

Why Consider the Sharp A+ Program?

The flexibility of this program gives borrowers more options when selecting a mortgage solution. With multiple documentation methods, competitive financing limits, and support for a variety of occupancy types, the Sharp A+ Program can help qualified borrowers find financing that aligns with their financial profile.

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