Specialty Mortgage Corporation is an experienced, non-conforming lender, and residential wholesaler operating in numerous states throughout the country. Our long list of satisfied mortgage brokers rely on our 24-hour underwriting, same day quotes and ease of communication to serve their subprime requirements. We don't screen your calls or pass you on to voice mail, but rather give you straight consistent answers to your non conforming loan and high LTV requests. NOW AVAILABLE: 620 score with no tradelines we can do 100%. Provided it o/o , no prior bk. 6 months ownership seasoning for CASH OUT REFINANCES (O/O, 100% with 580 score, using new value)! 55% DTI on 100% LTV (fixed rates, 620 score) 12 months bank statements = FULL DOC (S/E OR W-2) TO 100% LTV! (600 score) 100% LTV/CLTV STATED INCOME (640 score)-S/E (wage-earners eligible on 80/20 in most States)!

Bank Stmts and Stated Products	First Time Home Buyers	Refinances up to 115% LTV
• 12 months Personal Bank Stmts same as Full Doc (S/E or W2) 100% • STATED-self employed (640 score) up to 6% seller cc’s 100% • W2 Stated (80/20) w/ 640 score (Not available in all States) 100% • STATED-self employed (620 score) 95% • STATED S/E or Wage Earner (580 score) 90% • 12 months Personal Bank Stmts-S/E or W2 (540 score) 90% • Stated S/E or W-2 (520 score) 85%	• 107% LTV- 2 units okay (680 score) 107% • 103% LTV- (600 score) 103% • 2 Unit O/O (620 Score) 103% • 100% LTV with NO trade line requirement (620 score) 100% • SFR, CONDO- including high rise (580 score) 100% • Rural properties-Some programs (580 score) 100% (Private VOR OK)	• SFR Refinance (640 score) 115% • 107%-2 units okay (680 score) 107% • 103%-2 units okay (600 score) 103% • SFR, CONDO, 2-4 unit (580 score) 100% • Lease Purchase, Land Contract w/checks (580 score) 100% • Rural property-some programs (580 score) 100%
Bank Stmts and Stated Products	First Time Home Buyers	Refinances up to 115% LTV