MATRIX	RESIDENTIAL	MAX LTV	PURCHASE MAX CLTV	R/T & C/O MAX CLTV	MAX CASH OUT
	2ND HOME NON-OWNER	70% 70%	70% 70%	70% 70%	Unlimited Unlimited
	COMMERCIAL MULTI-FAMILY MIXED-USE Exceptions Considered	70% 70% 70%	70% 70% 70%	70% 70% 70%	Unlimited Unlimited Unlimited
CROSS COLLATORALIZATION: TWO OR MORE PROPERTIES
PROPERTY TYPES	1-4 Family homes, condos, townhouses, PUDs, mixed-use, commercial, multi-family, commercial, investment. No manufactured or mobile homes
CLTV	70% CLTV Allowed for purchase transactions on properties with Seller-carry or other secondary financing. Example 55% 1ST and 15% Seller-carry! 15% Down Payment.  70% allowed on commercial, multi-family and mixed-use properties for purchase transactions only with Seller-carry or other secondary financing.
LOAN AMOUNTS	Min. Loan Amount:  $100K.  Max. Loan amount: $5.0 Million
EMPLOYMENT & ASSETS	Employment must be disclosed for all doc types and need to state company name, phone number, and position.  Assets must be disclosed and verified for SIVA documentation types.  Assets must be stated on SISA doc type.
FICO	No FICO requirement
STANDARD DTI/DSC	NON FACTOR
MORTGAGE HISTORY	NON FACTOR
LATES	NON FACTOR
JUDGMENTS, DELINQUENT TAXES AND OTHER LIENS	All Liens on title must be paid at closing or the borrower must provided evidence of satisfaction.  Title must indicate that any liens will be removed of record upon pay off of same.  Tax liens are required to be paid prior to closing or may be paid off through proceeds at closing.
BANKRUPTCY	No buy out or court approval.
FORECLOSURE	Active foreclosures are not permitted.  Multiple foreclosures are not eligible.
INCOME DOCUMENTATION	Full Doc, SIVA, SISA
CASH OUT RESTRICTIONS	Unlimited

Loan Application (and instructions)

Fill out application HERE. After filling it out, PRINT your page since you will not be able to save to file, however, if you know how to print to PDF then do so and email the document. MAIL to 1505 Bridgeway Suite 128 Sausalito, CA 94965 OR FAX to 415-332-8555. You can also SCAN the print out and email as an attachment.

For complete underwriting guidelines including terms, rates and fees, contact Gene Siegel at Neighborhood Lending Group. Neighborhood Lending Group is positioned to confidentially review and underwrite loans that meet the guidelines stated above. We will also take into consideration loan scenarios that do not fit into the provided matrix. Conditions are subject to change and are at the discretion of the Neighborhood Lending Group, their employees and investment partners.