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.
The Sharp A+ Program offers several ways to qualify based on your income 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.
Eligible borrowers may qualify using one year of income documentation, reducing the amount of paperwork required while maintaining a fully documented loan process.
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.
Qualified borrowers may use eligible assets as a source of qualifying income, subject to program requirements.
A CPA, EA, or CTEC-prepared Profit & Loss statement may also be used for qualifying under eligible program guidelines.
The Sharp A+ Program can be used to finance:
The program also permits financing for warrantable and eligible non-warrantable condominiums, along with certain rural properties, subject to program guidelines and LTV limitations.
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.