1. www.NationsTrustMortgage.net
Mortgage Program Guide

2. NationsTrust Mortgage currently offers
unique programs that allow you to do more…
Foreign National Loans
Reduced Income Documentation Loans
No Income Documentation Loans
Super Jumbo Loans Financing
Condo-Hotel Financing
Non-Warrantable Condo Financing
Warrantable Condo Financing
Overview

3. Provides access to most desirable products
Provides access to over 200 Investors at glance
Provides financing that others can’t
Provides fast responds
Guaranteed Customer satisfaction
Guaranteed Closings
Features and Benefits

4. Foreign National Financing
• SFR • Foreign National
Property • Condos • No Limitation on Country
• Condo-Hotels (case by case)
Borrower • Venezuela is Subject to
Type • New Construction limitation
Foreign National
products are
offered in Miami- • Purchase • 2 Bank reference letters (24
month)
• Rate and Term
Dade, Broward and
Purpose • Cash Out (Max 50% LTV)
Credit • Foreign bank statements (3
month might be requested)
Palm Beach • Credit Reference letter
Counties. This
product is not
limited to a New • Minimum - $100,000.00 • CPA letter for Self-Employed
constructions. Loan • Max - $3,000,000.00 • Audited Financials may be
Income requested for Self-Employed
Multiple loans are Amount • Job Letter for Employed
allowed. Very low
rates are offered to
• 70% on SFR and Condos • Must have US Bank Account
the buyers. No
Loan to • 65% on New Condos must be • No Source or Seasoning (in
source or seasoning 50% closed or Fannie Mae
Assets most cases)
of funds are Value approved. Otherwise Max LTV
50%.
• Reserves 6 to 12 month
required in most
cases. • 15-30 Years • Second Home
• 3/1 ARM • Investment
Terms • 5/1 ARM
• 7/1 ARM
Occupancy
• 15 Year Fixed
Programs

5. Reduced Income Documentation Loans
• SFR • US Citizens
Our Reduced Property • Condos • Permanent Residents
• Condo-Hotels
Borrower • Foreign National
Income program Type • New Construction
• Any Residential Properties
allows many
business owners or
subcontracted • Purchase • No Credit Check
• Rate and Term • No Score
professionals such
Purpose • Cash Out
Credit • No References
as doctors or
attorneys who
wishes to buy a
dream multimillion • Minimum - $200,000.00 • CPA letter
dollar home but Loan • Max – No Limits • 6 Month Personal Bank
Income Statements
unable to qualify Amount • Profit and Loss Statements for
Business Owners
with their tax
returns. All the
• 50% in Florida • Must produce cash flow
borrower needs to
Loan to • 60% in New York or New • No Reserves
do is to Jersey
Assets • No Escrow
demonstrate an Value
income cash flow
for at least six • Up to 30 Years • Second Home
month minimum. • 3 Month Libor (current rate • Investment Properties
Terms 4.5%)
Occupancy
Programs

6. No Income Documentation Loans
• SFR • US Citizens
Property • Condos • Permanent Residents
Our No-Income • Condo-Hotels
Borrower • Foreign National
program allows Type • New Construction
• Any Residential Properties
many business
owners or • Purchase • No Judgments
subcontracted • Rate and Term • No Score
professionals such Purpose • Cash Out
Credit • No References
as doctors ,
attorneys or
investors who • Minimum - $100,000.00
wishes to buy a Loan • Max – case by case
dream home but Income • None
Amount
unable to qualify
with their tax
returns. • 60% in Florida
Loan to
Assets • None
This is program is Value
provided by
privately owned
fund. • 3 to 5 Year Balloon
• Interest Only
Terms • 9.99%
• Usually 3 points
Occupancy • Investment Properties
• First 12 Month PPP
Programs

7. Super Jumbo Loans Financing
• SFR • US Citizens
Property • Condos • Permanent Residents
• New Construction (must be
Borrower • Foreign National (Non-
Type 51% Sold) Permanent residents who have
Social Security number)
Our Super Jumbo
products deliver an • Purchase • Min 660 for Employed
(Primary)
• Rate and Term
extremely low
Purpose • Cash Out
Credit • Min 680 for Employed
(Secondary)
rates. Borrower has • Min 700 for Self-Employed
an option for
Interest Only as
well. Please note • Minimum - $100,000.00 • 2 Years Tax Returns (1040)
that LTV are Loan • Max – $3,000,000.00 • Current paystubs
Income
subject to adjust Amount
depending on the
loan amount.
• 70% on SFR • Assets Verification
Minimum LTV is
Loan to • 65 on Condos • No Reserves
60% across the • 60% on New Constructions
Assets • No Escrows
board. Value (must be 51% sold)
• 15-30 Years • Primary Home
• 5/1 ARM • Second Home
Terms • 7/1 ARM
Occupancy
Programs

8. Condo - Hotel Financing
• Condos • US Citizens
Property • Condo-Hotels • Permanent Residents
Our Condo Hotel • New Construction
Borrower • Foreign National
financing brings a Type
new avenue of
making more sales • Purchase • Min 680 credit score
transactions for • Rate and Term • Alternative credits are
Domestic or Purpose • Cash Out (Case by Case Basis
max 50% LTV)
Credit available to Foreign National
borrowers. (see Foreign
National requirements)
International
buyers. Not any
condo hotel units • Minimum - $100,000.00 • 2 Years Tax Returns (1040)
will qualify, each Loan • Max – Case by Case Basis • Current paystubs
unit must have at Income • CPA or Job letter for Foreign
Amount Nationals
least one bedroom
and kitchen. Any
studio or efficiency • 70% on existing buildings • Must have US Bank Account
are subject to Loan to • 65% on New Constructions • No Source or Seasoning
(must be 50% closed)
Assets • Reserves 24 month
special financing Value • Current VOD
that requires
$400,000.00
minimum value. • 15-30 Years • Second Home
• 3/1 ARM • Investment
Terms • 5/1 ARM
Occupancy
Programs

9. Non-Warrantable Condos Financing
• US Citizens
Property • Condos • Permanent Residents
• New Construction (must be
Borrower • Foreign National (Non-
Our Non- Type 51% Sold)
• No Condo Hotels
Permanent residents who have
Social Security number)
Warrantable
Condos Financing
program is a • Purchase • Min 660 for Employed
(Primary)
• Rate and Term
perfect ideal for
Purpose • Cash Out
Credit • Min 680 for Employed
(Secondary)
South Florida • Min 700 for Self-Employed
Condo market. No
Condo
Questionnaires, No • Minimum - $100,000.00 • 2 Years Tax Returns (1040)
Fannie Mae Loan • Max – $3,000,000.00 • Current paystubs
Income
Approval, No Amount
questions asked.
Buyers can now
• Assets Verification
obtain financing in
Loan to • 65% • No Reserves
condos that are not • 60% on New Constructions
Assets • No Escrows
on Fannie Mae Value (must be 51% sold)
approved list.
• 15-30 Years • Primary Home
Very Low Rates!!! • 5/1 ARM • Second Home
Terms • 7/1 ARM
Occupancy • No Investment
Programs

10. Warrantable Condos Financing
• Must be on Fannie Mae list • US Citizens
Property • Condos • Permanent Residents
• New Construction (must be
Borrower
Type 90% sold and HOA in control)
Our Warrantable • Purchase • 680
Condos Financing • Rate and Term • Must receive DU
program is a Purpose Credit Approved/Eligible
perfect ideal for
South Florida
Condo market. • Minimum - $100,000.00 • 2 years tax returns (1040)
Buyers can now Loan • Max – $417,500.00 • W-2s
obtain financing in Income • 1120 or K1 for Business
Amount Owners
• Pay stubs
condos with high
LTV up to 90%.
• 90% for Primary Residencies • 2 Month Bank statements
Standard low 30 Loan to • 80% for Secondary • 2-4 month reserves
Residencies
Assets
Year Fixed Rates!!! Value • 80% Investment
• 30 Years Fixed • Primary
• 3/1 ARM • Second Home
Terms • 5/1 ARM
• 7/1 ARM
Occupancy • Investment Properties
• 10/1 ARM
Programs

11. CPA/Income Sample Form
This is a Sample form of CPA Letter.
Please note that any CPA preparing
this document must be licensed in a
country of origin, a clean copy of CPA
license must be provided along with
the letter.
Its very important that CPA indicated
all of his or her contact information
including email address and
telephone number for further
verification.
Letter must be dated, signed and
sealed if applicable.
Sample Forms

12. Bank Reference Letter Sample Form
This is a Sample form of Bank
Reference Letter.
When preparing this letter, your
personal banker or person in charge
must include the following
information. The date of preparation,
complete account number, currency
of the account , the date account was
opened (must be at least 24 month),
outstanding balance and the last 2
month average balance as well.
It must contain all contact
information of the person preparing
this document such as email address
and telephone number for further
verification.
Letter must be dated, signed and
sealed if applicable.
Sample Forms

13. 18851 NE 29th Ave, Suite 700
AVENTURA, Florida 33180
Phone: 1-800-373-0812
1-305-525-0825
Fax: 1-305-692-3000
e-mail: info@nationstrust.info
Web: www.nationstrustmortgage.net
Contact Information

14. NationsTrust Mortgage is a direct lender MLBN10000621
All programs are subject to change with out notice.
This material is for demonstration purpose only and does not guaranty approvals.