Our Loan Programs
EC has a number of alternative lending program options offered:
MIN660FICO Score
UP TO90%Max LTV
UP TO55%DTI Ratio
UP TO$3MMax Loan Amount
DOC TYPES
- 1 or 2 Year’s Tax Returns
- 1 or 2 Year’s 1099
- 12 or 24 Month Bank Statement
- 12 or 24 Month Profit and Loss
- Asset Utilization
- Written VOE
LTV / CLTV LIMITS
- Cash Out 85%
- Condo 90%
- 2-4 Units 85%
- Rural 75%
- NW Condo 80%
MIN580FICO Score
UP TO90%Max LTV
UP TO50%DTI Ratio
UP TO$3MMax Loan Amount
DOC TYPES
- 1 or 2 Year’s Tax Returns
- 1 or 2 Year’s 1099
- 12 or 24 Month Bank Statement
- 12 or 24 Month Profit and Loss
- Asset Utilization
- Written VOE
- Profit and Loss Only
LTV / CLTV LIMITS
- Cash Out 80%
- Condo 85%
- 2-4 Units 85%
- Rural 75%
- NW Condo 80%
MIN640FICO Score
UP TO75%Max LTV
UP TO50%DTI Ratio
UP TO$1.5MMax Loan Amount
DOC TYPES
- 1 or 2 Year’s Tax Returns
- 1 or 2 Year’s 1099
- 12 or 24 Month Bank Statement
LTV / CLTV LIMITS
- Cash Out 70%
- Condo 80%
- 2-4 Units 80%
- Declining Markets 70%
- For Sale By Owner 80%
MIN600FICO Score
UP TO80%Max LTV
MIN0.625DSCR
UP TO$3MMax Loan Amount
DOC TYPES
- DSCR < 1.00
- DSCR ≥ 1.00
LTV / CLTV LIMITS
- Cash Out 80%
- Condo 80%
- 2-4 Units 80%
- Rural 75%
- NW Condo 80%
MIN660FICO Score
UP TO70%Max LTV
MIN1.00DSCR Ratio
UP TO$3MMax Loan Amount
DOC TYPES
- DSCR ≥ 1.00
LTV / CLTV LIMITS
- Cash Out 70%
VERIFIED1Tradeline
UP TO75%Max LTV
MIN0.75DSCR
UP TO$3MMax Loan Amount
DOC TYPES
- Asset Utilization
- DSCR > 0.75
LTV / CLTV LIMITS
- Cash Out 70%
- Condo 65%
- 2-4 Units 65%
About Matthew Tran
About Excelerate Capital
Since 2014, Excelerate Capital has helped borrowers solve life decisions involving home mortgages both big and small. We take pride in our clients looking to us for practical solutions for their unique life situations. Excelerate Capital looks beyond credit scores and broadens our search to include context and adaptability.
90% LTV DSCR
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