• No Pricing Adjustments
    for cash-out, units, IO, or condo
  • Gift Funds Allowed
  • 3 Credit Tiers 680+, 640-679, & 620-639
  • $3,500,000 Max Loan Amount
  • $2,000,000 Max Cash Out
  • Get more information here

  • 12 Month Bank Statement – LTVs up to 85%
  • Full Documentation – LTVs: up to 95% (720 FICO)
    DTI: up to 55%
  • Gift Funds Allowed
  • Interest Only available – 40yr I/O
  • FICO of Primary Wage Earner Used for Qualifying
  • Download theNear Prime flyer here

  • No Adjustments for cash-out, units, IO, or condo
  • 3 Credit Buckets 680+, 640-679, & 620-639
  • $2,500,000 Max Loan Amount
  • $2,000,000 Max Cash Out
  • Get more information here


  • Step 1: Submit your complete bank statement set to EarlyReview@theLender.com
  • Step 2: Receive your income figures within 24 hrs