stated heloc: 1yr BK OK - HELOC - No Income Verified-Verified Asset (NIVA) NO TAXES - 11/16/20 06:30 AM
Available as of 5/13/21
 
home equity line of credit (heloc) stated income-verified assets (siva) Must provide proof of at least 18 months of PITIA reserves owning more than one property otherwise, 50 months of PITIA reserves.
Owner-Occupied, Non-Owner Occupied and Second Homes, SFR’s, 2-4’s and Condos. 580+ FICO needed. BK and lates OK after 1 year seasoning. Loan amounts from $150,000 – $5,500,000. Up to 60% LTV to $1,000,000 loans outstanding (including new HELOC) Up to 50% LTV to $5,500,000. 1 floating over WSJ Prime in 1st position. 2 floating over WSJ Prime in 2nd position or paying off liens. 10 year … (0 comments)

stated heloc: 1 year out of BK get a #HELOC - Stated Income-Verified Asset (SIVA) - 07/20/20 06:50 AM
O/O + N/O/O 1 day ownership seasoning OK SFR 1-4, Condo’s,PUD’s (Warrantable Only ((Freddie-Mac Guidelines)) County Select Income is not verified by any means No Minimum Fico Required Foreign National Borrower’s OK – Passport Only Minimum 1 Year out of Bk, FC, SS 1×60 Allowed in Past 12 Months Collections over $5K + All Tax Liens + Charge-Offs must be paid at closing No Max Properties Owned/Financed Base Employee Income must be stated at 45% max DTI and Borrower must be same employment for a minimum of 2 yrs. Not verified.Reserves: 18 months reserves with VOD addressed to borrower reflecting current balance … (0 comments)

stated heloc: 2+ years BK? Get a #HELOC with Stated Income & Verified Asset (SIVA) - 12/28/19 01:24 PM
Home Equity Line of Credit (HELOC) Stated Income-Verified Assets (SIVA) Owner-Occupied, Non-Owner Occupied and Second Homes, SFR's, 2-4's and Condos.600+ FICO needed. BK and Lates OK after 2 years seasoning.Loan amounts from $150,000 - $5,500,000. Up to 60% LTV to $1,000,000 loans outstanding (including new HELOC)Up to 50% LTV to $5,500,000.1 floating over WSJ Prime in 1st position.2 floating over WSJ Prime in 2nd position or paying off liens.10 year draw period, 20 year amortization.3 monthly repayment options available interest only, .5% or 1.5% of outstandingMust provide proof of at least 20 months of PITIA reserves owning more than one property and with a borrower addressed VOD, otherwise 50+ months of PITIA reserves.
 Available only in: The NYC … (0 comments)

stated heloc: FICO +700 first 6 mo. starting at 3.8% Interest only. 70% LTV/CLTV - 02/08/18 07:43 AM
(2 comments)

stated heloc: Submit your No Income HELOC request - No Taxes needed - 07/05/17 07:20 AM
(NIVA) Home Equity Line of Credit (HELOC), No Income - Verified Assets
Owner-Occupied, Non-Owner Occupied and Second Homes, SFR's, 2-4's and Condos.
No Income is listed on the Application.
620+ FICO needed. Loan amounts from $150,000 - $1,500,000.
60% LTV to $1,000,000 loans outstanding (including new HELOC)
50% LTV to $1,500,000.
5.25% interest only start rate for the 10 year draw period, 20 year amortization. 1 floating over WSJ Prime in 1st position or on free and clear properties after the draw period or 6.25% interest only start rate for the 10 year draw period, 20 year amortization. 2 floating … (1 comments)

stated heloc: No Income HELOCs - Bank Statement Averaging - ALTdocLoan.com - 70% LTV - 09/02/16 11:46 PM
(0 comments)

stated heloc: LA County - Get a Stated Income Home Equity Line of Credit w/ NO taxes - 11/28/15 11:30 PM
Stated Income Home Equity Line of Credit (HELOC) 
Owner-Occupied, Non-Owner Occupied and Second Homes
 
SFR's, 2-4's and Condos. 620+ FICO needed. Up to 50% LTV - Loan amounts $150,000 - $2,000,000. 50% LTV to $1,000,000, 40% to $2,000,000 total outstanding 4.25% interest only start rate for the 5 year draw period 15 year amortization. (in 1st position) 5.25% interest only start rate for the 5 year draw period 15 year amortization. (in 2nd position) 1 floating (in 1st position or for free and clear properties) over WSJ Prime after the 5 year draw period. 2 floating (in 2nd position) over WSJ Prime after the 5 year draw … (0 comments)

stated heloc: Santa Clara County ! I have Stated Income Home Equity Lines of Credit - 11/28/15 11:26 PM
Stated Income Home Equity Line of Credit (HELOC) 
Owner-Occupied, Non-Owner Occupied and Second Homes
 
SFR's, 2-4's and Condos. 620+ FICO needed. Up to 50% LTV - Loan amounts $150,000 - $2,000,000. 50% LTV to $1,000,000, 40% to $2,000,000 total outstanding 4.25% interest only start rate for the 5 year draw period 15 year amortization. (in 1st position) 5.25% interest only start rate for the 5 year draw period 15 year amortization. (in 2nd position) 1 floating (in 1st position or for free and clear properties) over WSJ Prime after the 5 year draw period. 2 floating (in 2nd position) over WSJ Prime after the 5 year draw … (1 comments)

stated heloc: San Francisco I have Stated Income HELOC's to 50% LTV - No taxes or w2 - 11/28/15 11:02 PM
Stated Income Home Equity Line of Credit (HELOC) 
Owner-Occupied, Non-Owner Occupied and Second Homes
 
SFR's, 2-4's and Condos. 620+ FICO needed. Up to 50% LTV - Loan amounts $150,000 - $2,000,000. 50% LTV to $1,000,000, 40% to $2,000,000 total outstanding 4.25% interest only start rate for the 5 year draw period 15 year amortization. (in 1st position) 5.25% interest only start rate for the 5 year draw period 15 year amortization. (in 2nd position) 1 floating (in 1st position or for free and clear properties) over WSJ Prime after the 5 year draw period. 2 floating (in 2nd position) over WSJ Prime after the 5 year draw … (0 comments)

stated heloc: Your ALT Doc Loan sources are here - 11/27/15 11:29 PM
  1) Stated Income Home Equity Line of Credit (HELOC) - Owner-Occupied, Non-Owner Occupied and Second Homes - SFR's, 2-4's and Condos.620+ FICO needed. Loan amounts from $150,000 - $2,000,000. 
Up to 50% LTV to $1,000,000, 40% LTV to $2,000,000.
4.25% interest only start rate for the 5 year draw period, then 15 year amortization and 1 floating over WSJ Prime in 1st position or on free and clear properties or 5.25% interest only start rate for the 5 year draw period, then 15 year amortization and 2 floating over WSJ Prime in 2nd position. 18% lifetime cap.3 monthly repayment options are available.Must provide proof of 20 months of liquid PITIA reserves.
Available in the following California counties: Alameda, San Francisco, Santa Clara, Sacramento, … (0 comments)

stated heloc: Stated Income Verified Assets HELOCs to 50% LTV - 11/22/15 08:40 AM
 Stated Income Home Equity Line of Credit (HELOC) - Owner-Occupied, Non-Owner Occupied and Second Homes - SFR's, 2-4's and Condos.620+ FICO needed.  Loan amounts from $150,000 - $2,000,000. 
Up to 50% LTV to $1,000,000, 40% LTV to $2,000,000.
4.25% interest only start rate for the 5 year draw period, then 15 year amortization and 1 floating over WSJ Prime in 1st position or on free and clear properties or  5.25% interest only start rate for the 5 year draw period, then 15 year amortization and 2 floating over WSJ Prime in 2nd position.  18% lifetime cap.3 monthly repayment options are available.Must provide proof of 20 months of liquid PITIA reserves.
Available in the following California counties: … (2 comments)

stated heloc: California Stated HELOC rates from 4.25% 2.5 points - CLOSE IN 30 DAYS - 11/11/15 12:40 AM
Stated Income Home Equity Line of Credit (HELOC) - Owner-Occupied, Non-Owner Occupied and Second Homes - SFR's, 2-4's and Condos.   only a 620+ FICO needed.  Loan amounts from $150,000 - $2,000,000. 
Up to 50% LTV to $1,000,000, 40% LTV to $2,000,000.
4.25% interest only start rate for the 5 year draw period, then 15 year amortization and 1 floating over WSJ Prime in 1st position or on free and clear properties  or  5.25% interest only start rate for the 5 year draw period, then 15 year amortization and 2 floating over WSJ Prime in 2nd position.  18% lifetime cap. 3 monthly repayment options are available. Must provide proof of 20 months of liquid … (0 comments)

stated heloc: Stated Income HELOCs, Hedge Fund, ALT Doc and Private Money Mortgages - 10/30/15 04:25 AM
Stated Income HELOCs, Hedge Fund, ALT Doc and Private Money Mortgage Loan Products.
1)  Stated Income Home Equity Line of Credit (HELOC) - Owner-Occupied, Non-Owner Occupied and Second Homes - SFR's, 2-4's and Condos. 620+ FICO needed.  Loan amounts from $150,000 - $2,000,000. 
Up to 50% LTV to $1,000,000, 40% LTV to $2,000,000.
4.25% interest only start rate for the 5 year draw period, then 15 year amortization and 1 floating over WSJ Prime in 1st position or on free and clear properties or  5.25% interest only start rate for the 5 year draw period, then 15 year amortization and 2 floating over WSJ Prime in 2nd position.  18% lifetime cap.3 monthly repayment options are available.Must provide … (0 comments)

stated heloc: HELOCS are Back ! Stated Income - Verified Assets - 10/16/15 10:41 AM
Up to 50% LTV - Loan amounts from $150,000 - $2,000,000. 
50% LTV to $1,000,000, 40% to $2,000,000 total outstanding
4.25% interest only start rate for the 5 year draw period, then 15 year amortization. 1 floating in 1st position or on free and clear properties over WSJ Prime or 5.25% interest only start rate for the 5 year draw period, then 15 year amortization. 2 floating in 2nd position over WSJ Prime. 18% lifetime cap.3 monthly repayment options are available.Must provide proof of 20 months of PITI liquid reserves.
Available in the following California counties: Alameda, San Francisco, Santa Clara, Sacramento, San Mateo, Orange, LA and San Diego. And in New York (except Nassau and Suffolk counties), Nevada (Clark … (0 comments)

stated heloc: HELOCs - Stated Income Home Equity Line of Credit (HELOC) to 50% LTV - 10/04/15 01:44 AM
Stated Income Home Equity Line of Credit (HELOC)   Owner-Occupied, Non-Owner Occupied and Second Homes - SFR's, 2-4's and Condos.  620+ FICO needed.
Up to 50% LTV - Loan amounts from $150,000 - $2,000,000. 
50% LTV to $1,000,000, 40% to $2,000,000 total outstanding
4.25% interest only start rate for the 5 year draw period, then 15 year amortization. 1 floating in 1st position or on free and clear properties over WSJ Prime or 5.25% interest only start rate for the 5 year draw period, then 15 year amortization. 2 floating in 2nd position over WSJ Prime. 18% lifetime cap.3 monthly repayment options are available.Must provide proof of 20 months of PITI liquid reserves.
Available in the following California counties: Alameda, San Francisco, … (0 comments)

stated heloc: Stated Income / Verified Assets HELOC - 50% LTV, no max cash out! - 10/03/15 12:01 AM
Stated Income Home Equity Line of Credit (HELOC) 
Owner-Occupied, Non-Owner Occupied and Second Homes
 
SFR's, 2-4's and Condos. 620+ FICO needed. Up to 50% LTV - Loan amounts $150,000 - $2,000,000. 50% LTV to $1,000,000, 40% to $2,000,000 total outstanding 4.25% interest only start rate for the 5 year draw period, then 15 year amortization. (in 1st position) 5.25% interest only start rate for the 5 year draw period, then 15 year amortization. (in 2nd position) 1 floating (in 1st position or for free and clear properties) over WSJ Prime after the 5 year draw period. 2 floating (in 2nd position) over WSJ … (0 comments)

stated heloc: Stated Income HELOC - 50% LTV to $1M, 40% LTV to $2M, no max cash out! - 10/02/15 12:28 AM
Stated Income Home Equity Line of Credit (HELOC) - Owner-Occupied, Non-Owner Occupied and Second Homes - SFR's, 2-4's and Condos. 620+ FICO needed.
Up to 50% LTV - Loan amounts from $150,000 - $2,000,000. 
50% LTV to $1,000,000, 40% to $2,000,000 total outstanding
4.25% interest only start rate for the 5 year draw period, then 15 year amortization. 1 floating in 1st position or on free and clear properties over WSJ Prime or 5.25% interest only start rate for the 5 year draw period, then 15 year amortization. 2 floating in 2nd position over WSJ Prime. 18% lifetime cap.3 monthly repayment options are available.Must provide proof of 60 months of PITI reserves.
Available in the following California counties: Alameda, San Francisco, Santa … (0 comments)

stated heloc: Stated Income-Verified Asset Loans, Alt Documentation (ALT-doc) Loans - 04/11/15 04:35 AM
Stated Income-Verified Asset Loans, Alternative Documentation (ALT-doc) Loans - Cash-out Refi 70% LTV and Purchase to 80% LTV | No taxes or w2's needed
 
1) Stated Income Home Equity Line of Credit (HELOC) - Owner-Occupied, Non-Owner Occupied and Second Homes - SFR's, 2-4's and Condos.
620+ FICO needed. Up to 50% LTV - Loan amounts $150,000 - $2,000,000.
50% LTV to $1,000,000, 40% to $2,000,000 total outstanding 4.25% variable interest only start rate for the 5 year draw period, then 15 year amortization. 1 floating (in 1st position or for free and clear properties) or 2 (in 2nd postion) over WSJ … (1 comments)

stated heloc: Any FICO -Stated Income Stated Asset HELOC now in: Bay Area and So Cal - 04/16/14 10:53 PM
Stated Income Stated Asset, Owner-Occupied, Second Home or Investment - HELOC 
 
With no minimum FICO needed - just have no degrogatory credit in the last 12 Months!
 
LTV 50% to $2,000,000
First Position -  WSJ Prime + 1% Floating
Second Position - WSJ Prime + 2% Floating
Interest only 15 Yr. Amortization
Available in: LA, Orange, San Diego, San Mateo, San Francisco, Alameda, Sacramento and Santa Clara Counties Only
 
NOW we can co-op on this one! So if you are a Realtor or Broker and your client needs a loan to close their deal, then this will work. Or, of course if you are a homeowner and need a … (0 comments)

 
Bob Thompson 562.344.5626 Alternative Documentation, RT Capital Advisors, Inc.- Commercial/Residential (RT Capital Advisors, Inc. CEO)

Bob Thompson 562.344.5626 Alternative Documentation

RT Capital Advisors, Inc.- Commercial/Residential

Newport Beach, CA

More about me…

RT Capital Advisors, Inc. CEO

Address: Nationwide

Mobile: (562) 344-5626

Email Me

Stated Income Loans, NO Income verified HELOCs and Low Documentation loans for Commercial and Residential Assets in Florida, New York, California and Nationwide. We have access to unique lending products from Hedge Funds, Private Money, Private Party, REITs, Banks for ALT-doc Loans and Jumbo Stated Income-Verified Assets loans.


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