Ciro Dipalma

Tpo Wholesale Account Executive @Change Wholesale

Change TPO Wholesale Lending NON-QM FHA/VA/Conventional programs Fannie/Freddie/Ginnie direct with No Overlay\'s, & a Certified Member of the CDFI U.S. Department of the Treasury.\\\\nCommunity Program- Owner Occupied No Income Documentation Required 80% LTV Purchase & 70% LTV cash out 640 fico Min & up to 3 Mil SFR/1-4 Units & Condos\\\\n80% LTV Alt-A 12 month Bank Statement/1099/ 1yr self employed/ 1yr W-2 Only Program/Asset Depletion- Purchase/R&T & Debt Consolidation & cash out 75 & LTV Min Fico 660 & up to 4.0 Mil\\\\nDSCR- Up to 75% LTV 1-4 unit min fico 680 & up to 3.5. Mil & Foreign Nationals to 70% LTV\\\\nFHA/VA NO FICO Programs for FHA Streamlines/VA requirement 550 for FHA/VA conforming & High Balance.\\\\nConventional Fico 620 Conforming & High Balance\\\\n \\\\n\\\\n \\\\n \\\\n\\\\n \\\\n