As a realtor professional in the Miami area, you know the competition is fierce—Miami is a vibrant market that is continuously growing and evolving. The agents with the best professional network supporting them always have an edge. We want to give you that edge.


  • FHA
  • Conventional
  • VA
  • Jumbo
  • Private


No Ratio - Primary Residence:

  • Credit underwritten based on LTV, FICO, and liquidity
  • Primary residence and second homes
  • Asset seasoning 30 days
  • Loan amounts up to $3 million
  • LTV up to 80% purchase/rate-and-term
  • LTV up to 70% cash-out
  • FICO beginning at 640
  • Debt consolidation = rate/term

12 Month Bank Statement: OO + Second Home or Investment properties

  • Loan amount: $100,000 - $4,000,000
  • 5/1 ARM, 7/1 ARM, 30YR Fixed, 5YR IO (30YR term)
  • FICO: 600+
  • LTV: 90% purchase/ 85% RT refi/ 80% CO refi
  • Reserves: 6 months for over 75% LTV/ 12 months over 85% LTV
  • Must be self-employed 2+ years

Debt Service: NOO

  • Loan Amount $100,000 - $2,000,000
  • 5/1 ARM, 7/1 ARM, 30YR Fixed, 5YR IO (30YR term), 10YR I/O(fixed 40 year term)
  • FICO: 575+
  • LTV: 80% purchase/ 80% RT refi/ 75% CO refi
  • No income/employment verification

Foreign Nationals

  • Loan amount $100,000 - $2,000,000
  • LTV: 70% purchase/ 65% refi
  • DSCR to qualify: Subject rent (or 1007)

ITIN

  • Loan amount $100,000 - $1,000,000
  • LTV 75% purchase/ 70% refi
  • Full Doc, Bank statement, or DSCR

Multi Family 5-24 Unit properties

  • Loan amount $250,000 - $3,000,000
  • 70% Max LTV Purchase & Refinance
  • Minimum 1.00 DSCR Ratio
  • Terms 30 year fixed or 5 year I/O & 25 years Fully Amortized 
  • Must Close in An Entity
  • 6.999 Floor rate

ATR in Full (Ability to Repay) 

  • No employment/income requirement
  • No DTI requirement
  • Only assets needed to cover loan balance
  • Only 2 months of bank statements required
  • No withdrawals last 2 months with qualifying account

Asset Depletion: (Can be combined with any program to bring down DTI)

  • Asset divided by the term of the loans fixed months, end result is used as extra monthly income.
  • 100% of liquid assets 
  • 50% of investment accounts/ taxable accounts

WVOE Only

  • -Income Docs: WVOE Only
  • -Max 80% LTV
  • -OO Only
  • -Min 24 month rent or MTG history
  • -No FTHB
  • -Property Types: SFR/Condo/Townhome (No rural or units)
  • -Borrower cannot be employed by a family member

1099 Only

  • Income Docs:  Most recent two years 1099s & Most recent two months bank statements to show recent deposits supporting income showing on the 1099s for YTD
  • Max 80% LTV
  • OO Only
  • No FTHB
  • Property Types: SFR/Condo/Townhome (No rural or units)

P&L:

  • Income Docs: CPA prepared P&L on CPA’s letterhead (Must cover most recent two years as well as YTD for the business) & Most recent two months bank statements to show deposits supporting the income showing on the P&L
  • Qualifying Income is calculated by dividing the net profit on the P&L by the number of months covering the period on the P&L
  • Max 80% LTV
  • OO Only
  • No FTHB
  • Property Types: SFR/Condo/Townhome (No rural or units)

Union Mortgage Investment Group

273 Minorca Ave.
Coral Gables, FL 33134-4405