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#HELOC - No Income Verified-Verified Asset (NIVA) - NO TAXES
Home Equity Line of Credit (HELOC) No Income Verified-Verified Assets (NIVA)  Owner-Occupied, Non-Owner Occupied and Second Homes, SFR's, 2-4 families, Condos and Co-ops.  Over 700 FICO with no history of BK or lates. First 6 months starting at 4.29%.  
  
Loan amounts from $150,000 - $1,000,000.  Up to 70% LTV to $1,000,000 loans outstanding (including new HELOC) 
  
Starting at .5 floating over WSJ Prime in 1st position. 
1.5 floating over WSJ Prime in 2nd position or paying off liens. 
Lower your rate by up to .50%**  
10 year draw period, 20 year amortization. 
Must provide proof of at least 6 months of PITIA reserves with a CPA Letter and VOD. 
No CPA Letter needed with 18+ months reserves. 
  
Available in all Counties of: CA, GA, MA, NJ and NY.  
  
Fees: 2.5 points + $995 processing at the Close of Escrow. 
  
** 50k initial draw and autopay needed from the bank to be maintained for at least 6 months to qualify for a rate reduction for the life of the loan. 
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