Offering a full suite of programs
Products
Make AT Lending your go-to source for wholesale mortgage lending. From conventional and government-backed programs to non-conforming and Non-QM, we have the programs your clients need.
Non-QM Matrix
We offer a wide variety of Non-QM wholesale lending solutions to our broker partners including the following types of loan programs:
PEAK
Full Doc
-
Prime: Standard Guidelines
-
Non-Prime: Expanded Guidelines – FICOs down to 660
Bank Statement
- FICOs Down to 620
- LTVs up to 80%
- 12 or 24 Months Bank Statements
DSCR
- 80% Max LTV
- 660 Min. FICO
- Max $2MM Loan Amount
- Foreign National Allowed
1099 – Alt Doc
- 1 Year Available
- 90% Max LTV
SUMMIT
Full Doc
- Prime Credit – Standard Full Doc Guidelines
- Enhanced Credit – Expanded Full Doc Guidelines – 600 Min. FICO
DSCR
- 80% Max LTV
- Loan Amount Up to $3.5MM
- Min FICO 600 With 1.0 DSCR Ratio
- Min FICO 640 With <1.0 DSCR Ratio
- Foreign National Allowed
Other Alt-Doc
- P&L Only Program
- Written VOE Program
- 1099 Program
- Asset Utilization Program
Bank Statement
- FICOs Down to 600
- LTVs Up to 90%
- 12 or 24 Months Bank Statements
SELECT
Full Doc
-
FICOs Down to 660
-
LTVs up to 80%
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DSCR
-
75% Max LTV
-
660 Min FICO
-
Max 2MM Loan Amount
-
Foreign National Allowed
Other Alt-Doc
-
FICOs Down to 660
-
LTVs up to 80%
-
12 or 24 Months Bank Statements
APEX
Highlights
- 75% Max LTV – DSCR
-
NO DSCR Ratio Purchase, R/T and Cash Out
-
Interest-Only Available
-
$2 MM Max Loan Amount
-
Cash Out May Count for Reserves
-
MTG Lates 1x60x24
- 90% Max LTV – Alt Doc 12 or 24 Month Bank Statements
- First Time Home Buyer Available
EXPRESS ITIN
Highlights
- 600 Min. FICO Score
- Up to 80% LTV on Purchases
- Up to 75% LTV on Cash-Out
- Loan Amounts up to $1.25MM
- Full Doc and Alt Doc (P&L; Bank Statement)
Traditional Matrix
Make AT Lending your home for your FHA, VA, and Conventional lending needs.
Apply to become an Approved Broker Today!
Tired of navigating between multiple lenders? Looking for a wholesale lender who understands the needs of brokers? AT Lending’s goal is to provide our broker partners with the programs, pricing, and service they need to become their go-to lender of choice.
