{"id":775,"date":"2026-03-30T20:35:42","date_gmt":"2026-03-31T00:35:42","guid":{"rendered":"https:\/\/balancekimmortgage.com\/?page_id=775"},"modified":"2026-04-05T20:02:34","modified_gmt":"2026-04-06T00:02:34","slug":"specials","status":"publish","type":"page","link":"https:\/\/balancekimmortgage.com\/en\/specials\/","title":{"rendered":"Our Signature Loan Proams"},"content":{"rendered":"<p>The following are our unique programs and advantages. If you come across something you do not understand while reading the descriptions, please ask the AI questions such as \"What does LMI mean in a mortgage loan?\" You can also find brief explanations at the bottom.<\/p>\n\n\n\n<div style=\"height:12px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n\t\t\t\t\t\t\t<h3 style=\"margin-bottom:20px;display:block;width:100%;margin-top:10px\">Signature Proams <\/h3>\r\n\t\t\t\t\t\t<style>\r\n\t\t\t\t<style>\r\n#wpsm_accordion_799 .wpsm_panel-heading{\r\n\tpadding:0px !important;\r\n}\r\n#wpsm_accordion_799 .wpsm_panel-title {\r\n\tmargin:0px !important; \r\n\ttext-transform:none !important;\r\n\tline-height: 1 !important;\r\n}\r\n#wpsm_accordion_799 .wpsm_panel-title a{\r\n\ttext-decoration:none;\r\n\toverflow:hidden;\r\n\tdisplay:block;\r\n\tpadding:0px;\r\n\tfont-size: 18px !important;\r\n\tfont-family: Open Sans !important;\r\n\tcolor:#000000 !important;\r\n\tborder-bottom:0px !important;\r\n}\r\n\r\n#wpsm_accordion_799 .wpsm_panel-title a:focus {\r\noutline: 0px !important;\r\n}\r\n\r\n#wpsm_accordion_799 .wpsm_panel-title a:hover, #wpsm_accordion_799 .wpsm_panel-title a:focus {\r\n\tcolor:#000000 !important;\r\n}\r\n#wpsm_accordion_799 .acc-a{\r\n\tcolor: #000000 !important;\r\n\tbackground-color:#e8e8e8 !important;\r\n\tborder-color: #ddd;\r\n}\r\n#wpsm_accordion_799 .wpsm_panel-default > .wpsm_panel-heading{\r\n\tcolor: #000000 !important;\r\n\tbackground-color: #e8e8e8 !important;\r\n\tborder-color: #e8e8e8 !important;\r\n\tborder-top-left-radius: 0px;\r\n\tborder-top-right-radius: 0px;\r\n}\r\n#wpsm_accordion_799 .wpsm_panel-default {\r\n\t\tborder:1px solid transparent !important;\r\n\t}\r\n#wpsm_accordion_799 {\r\n\tmargin-bottom: 20px;\r\n\toverflow: hidden;\r\n\tfloat: none;\r\n\twidth: 100%;\r\n\tdisplay: block;\r\n}\r\n#wpsm_accordion_799 .ac_title_class{\r\n\tdisplay: block;\r\n\tpadding-top: 12px;\r\n\tpadding-bottom: 12px;\r\n\tpadding-left: 15px;\r\n\tpadding-right: 15px;\r\n}\r\n#wpsm_accordion_799  .wpsm_panel {\r\n\toverflow:hidden;\r\n\t-webkit-box-shadow: 0 0px 0px rgba(0, 0, 0, .05);\r\n\tbox-shadow: 0 0px 0px rgba(0, 0, 0, .05);\r\n\t\tborder-radius: 4px;\r\n\t}\r\n#wpsm_accordion_799  .wpsm_panel + .wpsm_panel {\r\n\t\tmargin-top: 5px;\r\n\t}\r\n#wpsm_accordion_799  .wpsm_panel-body{\r\n\tbackground-color:#ffffff !important;\r\n\tcolor:#000000 !important;\r\n\tborder-top-color: #e8e8e8 !important;\r\n\tfont-size:16px !important;\r\n\tfont-family: Open Sans !important;\r\n\toverflow: hidden;\r\n\t\tborder: 2px solid #e8e8e8 !important;\r\n\t}\r\n\r\n#wpsm_accordion_799 .ac_open_cl_icon{\r\n\tbackground-color:#e8e8e8 !important;\r\n\tcolor: #000000 !important;\r\n\tfloat:right !important;\r\n\tpadding-top: 12px !important;\r\n\tpadding-bottom: 12px !important;\r\n\tline-height: 1.0 !important;\r\n\tpadding-left: 15px !important;\r\n\tpadding-right: 15px !important;\r\n\tdisplay: inline-block !important;\r\n}\r\n\r\n\t\t\t\r\n\t\t\t<\/style>\t\r\n\t\t\t<\/style>\r\n\t\t\t<div class=\"wpsm_panel-group\" id=\"wpsm_accordion_799\" >\r\n\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t<!-- Inner panel Start -->\r\n\t\t\t\t\t<div class=\"wpsm_panel wpsm_panel-default\">\r\n\t\t\t\t\t\t<div class=\"wpsm_panel-heading\" role=\"tab\" >\r\n\t\t\t\t\t\t  <h4 class=\"wpsm_panel-title\">\r\n\t\t\t\t\t\t\t<a  class=\"\"  data-toggle=\"collapse\" data-parent=\"#wpsm_accordion_799 \" href=\"javascript:void(0)\" data-target=\"#ac_799_collapse1\" onclick=\"do_resize()\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"ac_open_cl_icon fa fa-plus\"><\/span>\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t \r\n\t\t\t\t\t\t\t\t<span class=\"ac_title_class\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span style=\"margin-right:6px;\" class=\"fa fa-laptop\"><\/span>\r\n\t\t\t\t\t\t\t\t\tBuy w\/o sell first\t\t\t\t\t\t\t\t<\/span>\r\n\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t  <\/h4>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t<div id=\"ac_799_collapse1\" class=\"wpsm_panel-collapse collapse\"  >\r\n\t\t\t\t\t\t  <div class=\"wpsm_panel-body\">\r\n\t\t\t\t\t\t\tNot available in Florida \r\n<br><br>\r\n12-15 month reserves required<br>\r\nBusiness License<br>\r\nUp to $3M<br>\r\nCommitment to sell current residence<br>\r\nUp to 55% DTI<br>\r\nOver 20% down payment<br><br>\r\n\r\nAvailable in the programs below<br> \r\nApollo portfolio<br>\r\nCronus jumbo<br>\r\nOnyx non qm ex[panded prime plus<br>\r\nUltimate choice <br><br>\r\n<img decoding=\"async\" src=\"https:\/\/balancekimmortgage.com\/wp-content\/uploads\/2026\/04\/01-buy-wo-sell.gif\" alt=\"cheaper than bridge\" \/>\r\n\t\t\t\t\t\t  <\/div>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<!-- Inner panel End -->\r\n\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t<!-- Inner panel Start -->\r\n\t\t\t\t\t<div class=\"wpsm_panel wpsm_panel-default\">\r\n\t\t\t\t\t\t<div class=\"wpsm_panel-heading\" role=\"tab\" >\r\n\t\t\t\t\t\t  <h4 class=\"wpsm_panel-title\">\r\n\t\t\t\t\t\t\t<a  class=\"collapsed\"  data-toggle=\"collapse\" data-parent=\"#wpsm_accordion_799 \" href=\"javascript:void(0)\" data-target=\"#ac_799_collapse2\" onclick=\"do_resize()\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"ac_open_cl_icon fa fa-plus\"><\/span>\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t \r\n\t\t\t\t\t\t\t\t<span class=\"ac_title_class\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span style=\"margin-right:6px;\" class=\"fa fa-laptop\"><\/span>\r\n\t\t\t\t\t\t\t\t\t40% down payment \/ No income doc\t\t\t\t\t\t\t\t<\/span>\r\n\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t  <\/h4>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t<div id=\"ac_799_collapse2\" class=\"wpsm_panel-collapse collapse\"  >\r\n\t\t\t\t\t\t  <div class=\"wpsm_panel-body\">\r\n\t\t\t\t\t\t\tOnly in Georgia <br><br>\r\n\r\n40% down payment<br>\r\nOver 680 FICO score <br>\r\n18 month reserves <br>\r\nNo income doc, No tax doc<br>\r\nUp to $2, $3 or $10M <br>\r\nForeigners OK <br><br>\r\n<img decoding=\"async\" src=\"https:\/\/balancekimmortgage.com\/wp-content\/uploads\/2026\/04\/02.gif\" alt=\"40% down\" \/>\t\t\t\t\t\t  <\/div>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<!-- Inner panel End -->\r\n\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t<!-- Inner panel Start -->\r\n\t\t\t\t\t<div class=\"wpsm_panel wpsm_panel-default\">\r\n\t\t\t\t\t\t<div class=\"wpsm_panel-heading\" role=\"tab\" >\r\n\t\t\t\t\t\t  <h4 class=\"wpsm_panel-title\">\r\n\t\t\t\t\t\t\t<a  class=\"collapsed\"  data-toggle=\"collapse\" data-parent=\"#wpsm_accordion_799 \" href=\"javascript:void(0)\" data-target=\"#ac_799_collapse3\" onclick=\"do_resize()\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"ac_open_cl_icon fa fa-plus\"><\/span>\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t \r\n\t\t\t\t\t\t\t\t<span class=\"ac_title_class\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span style=\"margin-right:6px;\" class=\"fa fa-laptop\"><\/span>\r\n\t\t\t\t\t\t\t\t\tBank Stmts\t\t\t\t\t\t\t\t<\/span>\r\n\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t  <\/h4>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t<div id=\"ac_799_collapse3\" class=\"wpsm_panel-collapse collapse\"  >\r\n\t\t\t\t\t\t  <div class=\"wpsm_panel-body\">\r\n\t\t\t\t\t\t\tIncome Verification via 12-Month Bank Statements (50% of Deposits Recognized)<br>\r\n10% Down payment (LMI Waiver Available in Certain Cases)<br>\r\nUp to $3M <br>\r\nDACA, ASYLUM, EAC OK<br>\r\nOver 680 FICO score <br><br>\r\n<img decoding=\"async\" src=\"https:\/\/balancekimmortgage.com\/wp-content\/uploads\/2026\/04\/03.gif\" alt=\"mercury\" \/>\t\t\t\t\t\t  <\/div>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<!-- Inner panel End -->\r\n\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t<!-- Inner panel Start -->\r\n\t\t\t\t\t<div class=\"wpsm_panel wpsm_panel-default\">\r\n\t\t\t\t\t\t<div class=\"wpsm_panel-heading\" role=\"tab\" >\r\n\t\t\t\t\t\t  <h4 class=\"wpsm_panel-title\">\r\n\t\t\t\t\t\t\t<a  class=\"collapsed\"  data-toggle=\"collapse\" data-parent=\"#wpsm_accordion_799 \" href=\"javascript:void(0)\" data-target=\"#ac_799_collapse4\" onclick=\"do_resize()\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"ac_open_cl_icon fa fa-plus\"><\/span>\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t \r\n\t\t\t\t\t\t\t\t<span class=\"ac_title_class\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span style=\"margin-right:6px;\" class=\"fa fa-laptop\"><\/span>\r\n\t\t\t\t\t\t\t\t\tCash (or Cash Equivalent) Purchase\t\t\t\t\t\t\t\t<\/span>\r\n\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t  <\/h4>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t<div id=\"ac_799_collapse4\" class=\"wpsm_panel-collapse collapse\"  >\r\n\t\t\t\t\t\t  <div class=\"wpsm_panel-body\">\r\n\t\t\t\t\t\t\tExcluding Orange County, NY <br><br>\r\n\r\nIncome Qualified by Dividing Cash and Liquid Assets by 60<br>\r\n(A $1M Balance Equivalent to $16,667 Monthly Income)<br>\r\nOver 30% down payment<br>\r\nUp to $3M <br>\r\n12 month reserves<br>\r\nOver 700 FICO score <br>\r\nForeigners OK<br><br>\r\n<img decoding=\"async\" src=\"https:\/\/balancekimmortgage.com\/wp-content\/uploads\/2026\/04\/04.gif\" alt=\"70%ltv.\" \/>\t\t\t\t\t\t  <\/div>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<!-- Inner panel End -->\r\n\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t<!-- Inner panel Start -->\r\n\t\t\t\t\t<div class=\"wpsm_panel wpsm_panel-default\">\r\n\t\t\t\t\t\t<div class=\"wpsm_panel-heading\" role=\"tab\" >\r\n\t\t\t\t\t\t  <h4 class=\"wpsm_panel-title\">\r\n\t\t\t\t\t\t\t<a  class=\"collapsed\"  data-toggle=\"collapse\" data-parent=\"#wpsm_accordion_799 \" href=\"javascript:void(0)\" data-target=\"#ac_799_collapse5\" onclick=\"do_resize()\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"ac_open_cl_icon fa fa-plus\"><\/span>\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t \r\n\t\t\t\t\t\t\t\t<span class=\"ac_title_class\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span style=\"margin-right:6px;\" class=\"fa fa-laptop\"><\/span>\r\n\t\t\t\t\t\t\t\t\tOnly one year business history\t\t\t\t\t\t\t\t<\/span>\r\n\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t  <\/h4>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t<div id=\"ac_799_collapse5\" class=\"wpsm_panel-collapse collapse\"  >\r\n\t\t\t\t\t\t  <div class=\"wpsm_panel-body\">\r\n\t\t\t\t\t\t\tOnyl NY &amp; NJ <br><br>\r\n\r\nOne year history OK<br>\r\nFULL DOC \/ NO DOC <br>\r\nOver 35% down payment<br>\r\nOver 680 FICO score <br>\r\nForeigners OK <br><br>\r\n<img decoding=\"async\" src=\"https:\/\/balancekimmortgage.com\/wp-content\/uploads\/2026\/04\/05.gif\" alt=\"radiant\" \/>\t\t\t\t\t\t  <\/div>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<!-- Inner panel End -->\r\n\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t<!-- Inner panel Start -->\r\n\t\t\t\t\t<div class=\"wpsm_panel wpsm_panel-default\">\r\n\t\t\t\t\t\t<div class=\"wpsm_panel-heading\" role=\"tab\" >\r\n\t\t\t\t\t\t  <h4 class=\"wpsm_panel-title\">\r\n\t\t\t\t\t\t\t<a  class=\"collapsed\"  data-toggle=\"collapse\" data-parent=\"#wpsm_accordion_799 \" href=\"javascript:void(0)\" data-target=\"#ac_799_collapse6\" onclick=\"do_resize()\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"ac_open_cl_icon fa fa-plus\"><\/span>\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t \r\n\t\t\t\t\t\t\t\t<span class=\"ac_title_class\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span style=\"margin-right:6px;\" class=\"fa fa-laptop\"><\/span>\r\n\t\t\t\t\t\t\t\t\tJumbo\t\t\t\t\t\t\t\t<\/span>\r\n\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t  <\/h4>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t<div id=\"ac_799_collapse6\" class=\"wpsm_panel-collapse collapse\"  >\r\n\t\t\t\t\t\t  <div class=\"wpsm_panel-body\">\r\n\t\t\t\t\t\t\tUp to $10M for 65% down payment<br>\r\n$5M for 10% down payment (No MI)<br>\r\nOver 740 FICO score<br>\r\nDTI 43-49%<br>\r\nRSU, Restricted Stock units OK <br>\r\nFull Doc<br><br>\r\n<img decoding=\"async\" src=\"https:\/\/balancekimmortgage.com\/wp-content\/uploads\/2026\/04\/06.gif\" alt=\"jumbo\" \/>\t\t\t\t\t\t  <\/div>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<!-- Inner panel End -->\r\n\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t<!-- Inner panel Start -->\r\n\t\t\t\t\t<div class=\"wpsm_panel wpsm_panel-default\">\r\n\t\t\t\t\t\t<div class=\"wpsm_panel-heading\" role=\"tab\" >\r\n\t\t\t\t\t\t  <h4 class=\"wpsm_panel-title\">\r\n\t\t\t\t\t\t\t<a  class=\"collapsed\"  data-toggle=\"collapse\" data-parent=\"#wpsm_accordion_799 \" href=\"javascript:void(0)\" data-target=\"#ac_799_collapse7\" onclick=\"do_resize()\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"ac_open_cl_icon fa fa-plus\"><\/span>\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t \r\n\t\t\t\t\t\t\t\t<span class=\"ac_title_class\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span style=\"margin-right:6px;\" class=\"fa fa-laptop\"><\/span>\r\n\t\t\t\t\t\t\t\t\tBank Stmts\t\t\t\t\t\t\t\t<\/span>\r\n\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t  <\/h4>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t<div id=\"ac_799_collapse7\" class=\"wpsm_panel-collapse collapse\"  >\r\n\t\t\t\t\t\t  <div class=\"wpsm_panel-body\">\r\n\t\t\t\t\t\t\t90% LTV no MI to $3M<br>\r\n1yr self employed <br>\r\nAsylum, EAD &amp; DACA ok <br>\r\n1st time buyer <br>\r\nOver 680 <br>\r\nDTI 50% <br><br>\r\n<img decoding=\"async\" src=\"https:\/\/balancekimmortgage.com\/wp-content\/uploads\/2026\/04\/07.gif\" alt=\"bank stmts\" \/>\t\t\t\t\t\t  <\/div>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<!-- Inner panel End -->\r\n\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t<!-- Inner panel Start -->\r\n\t\t\t\t\t<div class=\"wpsm_panel wpsm_panel-default\">\r\n\t\t\t\t\t\t<div class=\"wpsm_panel-heading\" role=\"tab\" >\r\n\t\t\t\t\t\t  <h4 class=\"wpsm_panel-title\">\r\n\t\t\t\t\t\t\t<a  class=\"collapsed\"  data-toggle=\"collapse\" data-parent=\"#wpsm_accordion_799 \" href=\"javascript:void(0)\" data-target=\"#ac_799_collapse8\" onclick=\"do_resize()\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"ac_open_cl_icon fa fa-plus\"><\/span>\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t \r\n\t\t\t\t\t\t\t\t<span class=\"ac_title_class\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span style=\"margin-right:6px;\" class=\"fa fa-laptop\"><\/span>\r\n\t\t\t\t\t\t\t\t\tAmazing Jumbo\t\t\t\t\t\t\t\t<\/span>\r\n\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t  <\/h4>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t<div id=\"ac_799_collapse8\" class=\"wpsm_panel-collapse collapse\"  >\r\n\t\t\t\t\t\t  <div class=\"wpsm_panel-body\">\r\n\t\t\t\t\t\t\tNY, NJ <br><br>\r\n\r\n1er \/ 2nd <br>\r\nForeigners ok <br>\r\nUp to $1.5M <br>\r\n80% LTV <br>\r\nOver 700<br>\r\nDTI 45% <br><br>\r\n\r\nFull doc <br><br>\r\n<img decoding=\"async\" src=\"https:\/\/balancekimmortgage.com\/wp-content\/uploads\/2026\/04\/08.gif\" alt=\"amazing jumbo\" \/>\t\t\t\t\t\t  <\/div>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<!-- Inner panel End -->\r\n\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t<!-- Inner panel Start -->\r\n\t\t\t\t\t<div class=\"wpsm_panel wpsm_panel-default\">\r\n\t\t\t\t\t\t<div class=\"wpsm_panel-heading\" role=\"tab\" >\r\n\t\t\t\t\t\t  <h4 class=\"wpsm_panel-title\">\r\n\t\t\t\t\t\t\t<a  class=\"collapsed\"  data-toggle=\"collapse\" data-parent=\"#wpsm_accordion_799 \" href=\"javascript:void(0)\" data-target=\"#ac_799_collapse9\" onclick=\"do_resize()\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"ac_open_cl_icon fa fa-plus\"><\/span>\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t \r\n\t\t\t\t\t\t\t\t<span class=\"ac_title_class\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span style=\"margin-right:6px;\" class=\"fa fa-laptop\"><\/span>\r\n\t\t\t\t\t\t\t\t\tCelebrity Prime Jumbo\t\t\t\t\t\t\t\t<\/span>\r\n\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t  <\/h4>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t<div id=\"ac_799_collapse9\" class=\"wpsm_panel-collapse collapse\"  >\r\n\t\t\t\t\t\t  <div class=\"wpsm_panel-body\">\r\n\t\t\t\t\t\t\t$800k-$3M<br>\r\nLow rate <br>\r\nAssets as income ok (1.5-5x) <br>\r\n680 with 80% LTV up to $2M <br>\r\n700 for purchase and refi, 720 cash out <br>\r\n740 with 20% down up to $#M<br>\r\nDTI 45% <br><br>\r\n<img decoding=\"async\" src=\"https:\/\/balancekimmortgage.com\/wp-content\/uploads\/2026\/04\/09.gif\" alt=\"Celebrity\" \/>\r\n\t\t\t\t\t\t  <\/div>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<!-- Inner panel End -->\r\n\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t<!-- Inner panel Start -->\r\n\t\t\t\t\t<div class=\"wpsm_panel wpsm_panel-default\">\r\n\t\t\t\t\t\t<div class=\"wpsm_panel-heading\" role=\"tab\" >\r\n\t\t\t\t\t\t  <h4 class=\"wpsm_panel-title\">\r\n\t\t\t\t\t\t\t<a  class=\"collapsed\"  data-toggle=\"collapse\" data-parent=\"#wpsm_accordion_799 \" href=\"javascript:void(0)\" data-target=\"#ac_799_collapse10\" onclick=\"do_resize()\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"ac_open_cl_icon fa fa-plus\"><\/span>\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t \r\n\t\t\t\t\t\t\t\t<span class=\"ac_title_class\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span style=\"margin-right:6px;\" class=\"fa fa-laptop\"><\/span>\r\n\t\t\t\t\t\t\t\t\tFull doc, Low rate, FL only\t\t\t\t\t\t\t\t<\/span>\r\n\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t  <\/h4>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t<div id=\"ac_799_collapse10\" class=\"wpsm_panel-collapse collapse\"  >\r\n\t\t\t\t\t\t  <div class=\"wpsm_panel-body\">\r\n\t\t\t\t\t\t\tLow rate <br>\r\nFull doc <br>\r\nUp to $1M <br>\r\n80% LTV, 75% cash out <br>\r\nOver 700<br>\r\nDTI 45% <br>\r\n1er  \/ 2nd <br>\r\n\r\n\r\nOnly available in FL counties below <br>\r\nCharlotte county <br>\r\nDesoto<br>\r\nHillsborough<br>\r\nLake<br>\r\nManatee<br>\r\nOrange<br>\r\nPolk<br>\r\nPinellas<br>\r\nSarasota<br>\r\nPasco <br><br>\r\n<img decoding=\"async\" src=\"https:\/\/balancekimmortgage.com\/wp-content\/uploads\/2026\/04\/10.gif\" alt=\"FL\" \/>\t\t\t\t\t\t  <\/div>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<!-- Inner panel End -->\r\n\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t<!-- Inner panel Start -->\r\n\t\t\t\t\t<div class=\"wpsm_panel wpsm_panel-default\">\r\n\t\t\t\t\t\t<div class=\"wpsm_panel-heading\" role=\"tab\" >\r\n\t\t\t\t\t\t  <h4 class=\"wpsm_panel-title\">\r\n\t\t\t\t\t\t\t<a  class=\"collapsed\"  data-toggle=\"collapse\" data-parent=\"#wpsm_accordion_799 \" href=\"javascript:void(0)\" data-target=\"#ac_799_collapse11\" onclick=\"do_resize()\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"ac_open_cl_icon fa fa-plus\"><\/span>\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t \r\n\t\t\t\t\t\t\t\t<span class=\"ac_title_class\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span style=\"margin-right:6px;\" class=\"fa fa-laptop\"><\/span>\r\n\t\t\t\t\t\t\t\t\tDSCR\t\t\t\t\t\t\t\t<\/span>\r\n\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t  <\/h4>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t<div id=\"ac_799_collapse11\" class=\"wpsm_panel-collapse collapse\"  >\r\n\t\t\t\t\t\t  <div class=\"wpsm_panel-body\">\r\n\t\t\t\t\t\t\tDebt Service Coverage Ratio, when using the rental income from the property being purchased to qualify as income. <br><br>\r\n\r\nUp to $4M<br>\r\n25% down - no reserves, no sourcing large deposits <br>\r\nNo reserves <br>\r\nOver 660<br>\r\nShort term rentals OK <br>\r\n5-8 units <br><br>\r\n<img decoding=\"async\" src=\"https:\/\/balancekimmortgage.com\/wp-content\/uploads\/2026\/04\/11.gif\" alt=\"dscr\" \/>\t\t\t\t\t\t  <\/div>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<!-- Inner panel End -->\r\n\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t<!-- Inner panel Start -->\r\n\t\t\t\t\t<div class=\"wpsm_panel wpsm_panel-default\">\r\n\t\t\t\t\t\t<div class=\"wpsm_panel-heading\" role=\"tab\" >\r\n\t\t\t\t\t\t  <h4 class=\"wpsm_panel-title\">\r\n\t\t\t\t\t\t\t<a  class=\"collapsed\"  data-toggle=\"collapse\" data-parent=\"#wpsm_accordion_799 \" href=\"javascript:void(0)\" data-target=\"#ac_799_collapse12\" onclick=\"do_resize()\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"ac_open_cl_icon fa fa-plus\"><\/span>\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t \r\n\t\t\t\t\t\t\t\t<span class=\"ac_title_class\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span style=\"margin-right:6px;\" class=\"fa fa-laptop\"><\/span>\r\n\t\t\t\t\t\t\t\t\tNY, NJ, GA\t\t\t\t\t\t\t\t<\/span>\r\n\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t  <\/h4>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t<div id=\"ac_799_collapse12\" class=\"wpsm_panel-collapse collapse\"  >\r\n\t\t\t\t\t\t  <div class=\"wpsm_panel-body\">\r\n\t\t\t\t\t\t\tP&amp;L or VVOE, <br>\r\n7\/6 ARM <br>\r\nForeigners ok  50% down<br>\r\n75% LTV up to $2M, 70\/2.5M<br>\r\nCounting the loan amount as reserves.<br>\r\nOver 680 <br>\r\nDTI 43%  <br>\r\nSelf prepared P&amp;L or VVOE <br><br>\r\n<img decoding=\"async\" src=\"https:\/\/balancekimmortgage.com\/wp-content\/uploads\/2026\/04\/12.gif\" alt=\"ny nj  ga\" \/>\t\t\t\t\t\t  <\/div>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<!-- Inner panel End -->\r\n\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t<!-- Inner panel Start -->\r\n\t\t\t\t\t<div class=\"wpsm_panel wpsm_panel-default\">\r\n\t\t\t\t\t\t<div class=\"wpsm_panel-heading\" role=\"tab\" >\r\n\t\t\t\t\t\t  <h4 class=\"wpsm_panel-title\">\r\n\t\t\t\t\t\t\t<a  class=\"collapsed\"  data-toggle=\"collapse\" data-parent=\"#wpsm_accordion_799 \" href=\"javascript:void(0)\" data-target=\"#ac_799_collapse13\" onclick=\"do_resize()\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"ac_open_cl_icon fa fa-plus\"><\/span>\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t \r\n\t\t\t\t\t\t\t\t<span class=\"ac_title_class\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span style=\"margin-right:6px;\" class=\"fa fa-laptop\"><\/span>\r\n\t\t\t\t\t\t\t\t\t$10k grant, only in GA, Area restricted\t\t\t\t\t\t\t\t<\/span>\r\n\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t  <\/h4>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t<div id=\"ac_799_collapse13\" class=\"wpsm_panel-collapse collapse\"  >\r\n\t\t\t\t\t\t  <div class=\"wpsm_panel-body\">\r\n\t\t\t\t\t\t\tonly GA<br><br>\r\n\r\nPurchase &amp; owner occupied only<br>\r\nFHA only <br>\r\nIncome limits (150-200%)<br>\r\n2 mo reserves <br>\r\nLMI areas <br>\r\nCRA area <br><br>\r\n<img decoding=\"async\" src=\"https:\/\/balancekimmortgage.com\/wp-content\/uploads\/2026\/04\/13.gif\" alt=\"10k grant\" \/>\t\t\t\t\t\t  <\/div>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<!-- Inner panel End -->\r\n\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t<!-- Inner panel Start -->\r\n\t\t\t\t\t<div class=\"wpsm_panel wpsm_panel-default\">\r\n\t\t\t\t\t\t<div class=\"wpsm_panel-heading\" role=\"tab\" >\r\n\t\t\t\t\t\t  <h4 class=\"wpsm_panel-title\">\r\n\t\t\t\t\t\t\t<a  class=\"collapsed\"  data-toggle=\"collapse\" data-parent=\"#wpsm_accordion_799 \" href=\"javascript:void(0)\" data-target=\"#ac_799_collapse14\" onclick=\"do_resize()\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"ac_open_cl_icon fa fa-plus\"><\/span>\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t \r\n\t\t\t\t\t\t\t\t<span class=\"ac_title_class\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span style=\"margin-right:6px;\" class=\"fa fa-laptop\"><\/span>\r\n\t\t\t\t\t\t\t\t\tJumbo CRA, Area restricted\t\t\t\t\t\t\t\t<\/span>\r\n\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t  <\/h4>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t<div id=\"ac_799_collapse14\" class=\"wpsm_panel-collapse collapse\"  >\r\n\t\t\t\t\t\t  <div class=\"wpsm_panel-body\">\r\n\t\t\t\t\t\t\t7\/6 ARM<br>\r\nUp to $3M <br>\r\nNo income limits in LMI areas.<br>\r\n80% LTV $1M, 75\/2, 70\/3 <br><br>\r\n<img decoding=\"async\" src=\"https:\/\/balancekimmortgage.com\/wp-content\/uploads\/2026\/04\/14.gif\" alt=\"jumbo cra\" \/>\t\t\t\t\t\t  <\/div>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<!-- Inner panel End -->\r\n\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t<!-- Inner panel Start -->\r\n\t\t\t\t\t<div class=\"wpsm_panel wpsm_panel-default\">\r\n\t\t\t\t\t\t<div class=\"wpsm_panel-heading\" role=\"tab\" >\r\n\t\t\t\t\t\t  <h4 class=\"wpsm_panel-title\">\r\n\t\t\t\t\t\t\t<a  class=\"collapsed\"  data-toggle=\"collapse\" data-parent=\"#wpsm_accordion_799 \" href=\"javascript:void(0)\" data-target=\"#ac_799_collapse15\" onclick=\"do_resize()\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"ac_open_cl_icon fa fa-plus\"><\/span>\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t \r\n\t\t\t\t\t\t\t\t<span class=\"ac_title_class\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span style=\"margin-right:6px;\" class=\"fa fa-laptop\"><\/span>\r\n\t\t\t\t\t\t\t\t\tCommunity lending, Restricted areas\t\t\t\t\t\t\t\t<\/span>\r\n\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t  <\/h4>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t<div id=\"ac_799_collapse15\" class=\"wpsm_panel-collapse collapse\"  >\r\n\t\t\t\t\t\t  <div class=\"wpsm_panel-body\">\r\n\t\t\t\t\t\t\tOwner occupied only <br>\r\nLTV 97% <br>\r\nDTI 50% <br>\r\nFixed rate only <br>\r\nREO ok <br>\r\nEAD no <br><br>\r\n<img decoding=\"async\" src=\"https:\/\/balancekimmortgage.com\/wp-content\/uploads\/2026\/04\/15.gif\" alt=\"community lending\" \/>\t\t\t\t\t\t  <\/div>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<!-- Inner panel End -->\r\n\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t<!-- Inner panel Start -->\r\n\t\t\t\t\t<div class=\"wpsm_panel wpsm_panel-default\">\r\n\t\t\t\t\t\t<div class=\"wpsm_panel-heading\" role=\"tab\" >\r\n\t\t\t\t\t\t  <h4 class=\"wpsm_panel-title\">\r\n\t\t\t\t\t\t\t<a  class=\"collapsed\"  data-toggle=\"collapse\" data-parent=\"#wpsm_accordion_799 \" href=\"javascript:void(0)\" data-target=\"#ac_799_collapse16\" onclick=\"do_resize()\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"ac_open_cl_icon fa fa-plus\"><\/span>\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t \r\n\t\t\t\t\t\t\t\t<span class=\"ac_title_class\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span style=\"margin-right:6px;\" class=\"fa fa-laptop\"><\/span>\r\n\t\t\t\t\t\t\t\t\tFHA, not in GA\t\t\t\t\t\t\t\t<\/span>\r\n\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t  <\/h4>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t<div id=\"ac_799_collapse16\" class=\"wpsm_panel-collapse collapse\"  >\r\n\t\t\t\t\t\t  <div class=\"wpsm_panel-body\">\r\n\t\t\t\t\t\t\tNo GA<br><br>\r\n\r\n3% down \/ No MI - single unit<br>\r\n10% - 2 units<br>\r\nLMI income guide line, W2 <br>\r\nFHA only <br>\r\n1er only <br>\r\n80% MFI \/ CRA areas <br>\r\nNo co borrower<br><br>\r\n<img decoding=\"async\" src=\"https:\/\/balancekimmortgage.com\/wp-content\/uploads\/2026\/04\/16.gif\" alt=\"fha\" \/>\t\t\t\t\t\t  <\/div>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<!-- Inner panel End -->\r\n\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t<!-- Inner panel Start -->\r\n\t\t\t\t\t<div class=\"wpsm_panel wpsm_panel-default\">\r\n\t\t\t\t\t\t<div class=\"wpsm_panel-heading\" role=\"tab\" >\r\n\t\t\t\t\t\t  <h4 class=\"wpsm_panel-title\">\r\n\t\t\t\t\t\t\t<a  class=\"collapsed\"  data-toggle=\"collapse\" data-parent=\"#wpsm_accordion_799 \" href=\"javascript:void(0)\" data-target=\"#ac_799_collapse17\" onclick=\"do_resize()\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"ac_open_cl_icon fa fa-plus\"><\/span>\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t \r\n\t\t\t\t\t\t\t\t<span class=\"ac_title_class\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span style=\"margin-right:6px;\" class=\"fa fa-laptop\"><\/span>\r\n\t\t\t\t\t\t\t\t\tIf you have CASH\t\t\t\t\t\t\t\t<\/span>\r\n\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t  <\/h4>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t<div id=\"ac_799_collapse17\" class=\"wpsm_panel-collapse collapse\"  >\r\n\t\t\t\t\t\t  <div class=\"wpsm_panel-body\">\r\n\t\t\t\t\t\t\tAssets based \/ Divide by 60 months and count as income.<br>\r\nUp to $2m <br>\r\n6 mo asset seasoning <br>\r\n80% LTV<br>\r\nOver 700 for 1er, 720 for 2nd <br><br>\r\n<img decoding=\"async\" src=\"https:\/\/balancekimmortgage.com\/wp-content\/uploads\/2026\/04\/17.gif\" alt=\"cash\" \/>\r\n\t\t\t\t\t\t  <\/div>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<!-- Inner panel End -->\r\n\t\t\t\t\t\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\r\n<script type=\"text\/javascript\">\r\n\t\r\n\t\tfunction do_resize(){\r\n\r\n\t\t\tvar width=jQuery( '.wpsm_panel .wpsm_panel-body iframe' ).width();\r\n\t\t\tvar height=jQuery( '.wpsm_panel .wpsm_panel-body iframe' ).height();\r\n\r\n\t\t\tvar toggleSize = true;\r\n\t\t\tjQuery('iframe').animate({\r\n\t\t\t    width: toggleSize ? width : 640,\r\n\t\t\t    height: toggleSize ? height : 360\r\n\t\t\t  }, 250);\r\n\r\n\t\t\t  toggleSize = !toggleSize;\r\n\t\t}\r\n\t\t\r\n<\/script>\t\n\n\n\n<div style=\"height:13px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>Glossary<\/strong><\/p>\n\n\n\n<p><strong>1er \/ 2nd \/ invest <\/strong>- Is it a primary residence, a second home, or an investment property?<br><strong>AMI<\/strong>, Area Median Income \u2013 Above Median Income Area.<br><strong>CRA<\/strong>, Community Reinvestment Act \u2013 Special Area Development Act<br><strong>DOWN PAYMENT <\/strong>- Money you pay when buying a home<br><strong>DTI<\/strong>, Debt to Income \u2013 What percentage of gross income is the monthly payment?<br><strong>EAD<\/strong>, Employment Authorization Document \u2013 Work permit holder<br><strong>EPO<\/strong>, Early Pay Off \u2013 Early payoff before the contract term<br><strong>FICO <\/strong>Credit scores range from 300 to 850. A score of 740 or higher results in no pricing hits, and most loans are available with a 680 or above. There are three credit bureaus, and the middle score among them is used. If two or more people apply, the lowest of their middle scores is used.<br><strong>FULL DOC <\/strong>- Verify income using tax return amounts.<br><strong>LMI<\/strong>, Low and Moderate Income \u2013 Less than 50% or 80% of the Area Median Income (AMI) is low income, and 80-120% is moderate income.<br><strong>LTV<\/strong>, Loan to Value \u2013 What percentage of the home value is the loan amount?<br><strong>MFI <\/strong>, Median Family Income \u2013 Area Median Income (AMI). While the average income is the sum divided by the total, the median is the value in the middle when all incomes are ranked in order. Usually, the average is slightly higher.<br><strong>MI<\/strong>, Mortgage insurance \u2013 on the loan amount when the down payment is less than 20% (different from homeowners insurance).<br><strong>NO DOC <\/strong>- Verify income using alternative methods without looking at tax returns.<br><strong>P&amp;L<\/strong>, Profit &amp; Loss \u2013 prepared by a CPA or EA.<br><strong>REO<\/strong>, Real Estate Owned \u2013 Homeowner at the time of closing.<br><strong>RESERVE <\/strong>- It is based on the monthly principal, interest, taxes, insurance, and HOA fees.<br><strong>RSU<\/strong>Restricted Stock Units, issued as bonuses (recognized as income if consistent).<br><strong>Seasoning <\/strong>- How long has the money been in the account?<br><strong>STMT<\/strong> &#8211; Bank Statement<br><strong>VOE<\/strong>Verification of Employment (VOE) signed by the owner, manager, or HR executive.<br><strong>VOR<\/strong>VOR (Verification of Rent) signed by the landlord.<\/p>","protected":false},"excerpt":{"rendered":"<p>\uc544\ub798 \uc124\uba85\uc740 \uc6b0\ub9ac\ub9cc\uc758 \uc7a5\uc810 \uac19\uc740 \ud504\ub85c\uadf8\ub7a8\ub4e4\uc785\ub2c8\ub2e4. \uc124\uba85\uc744 \uc77d\ub2e4\uac00 \uc798 \ubaa8\ub974\uaca0\uc73c\uba74 AI \uc5d0\uac8c \ubb3c\uc5b4\ubcf4\uc2ed\uc2dc\uc624. &#8220;\ubaa8\uae30\uc9c0 \ub860\uc5d0\uc11c LMI \uc758\ubbf8&#8221; \uc774\ub807\uac8c\uc694. \ud639\uc740 \uc800 \uc544\ub798\uc5d0 \uc57d\uac04\uc758 \uc124\uba85\uc774 \uc788\uc2b5\ub2c8\ub2e4. \uc6a9\uc5b4\uc124\uba85 1er \/ 2nd \/ invest &#8211; \ubcf8\uc778\uc774 \uc0b4 \uc9d1\uc778\uac00, \ub450 \ubc88\uc9f8 \uc9d1\uc778\uac00, \ud22c\uc790\uc778\uac00?AMI, Area Median Income &#8211; \uc704 \uc911\uc704 \uc18c\ub4dd \uad6c\uc5edCRA, Community Reinvestment Act &#8211; \ud2b9\uc815 \uc9c0\uc5ed \uac1c\ubc1c\ubc95DOWN PAYMENT &#8211; [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"class_list":["post-775","page","type-page","status-publish","hentry"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/balancekimmortgage.com\/en\/wp-json\/wp\/v2\/pages\/775","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/balancekimmortgage.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/balancekimmortgage.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/balancekimmortgage.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/balancekimmortgage.com\/en\/wp-json\/wp\/v2\/comments?post=775"}],"version-history":[{"count":14,"href":"https:\/\/balancekimmortgage.com\/en\/wp-json\/wp\/v2\/pages\/775\/revisions"}],"predecessor-version":[{"id":833,"href":"https:\/\/balancekimmortgage.com\/en\/wp-json\/wp\/v2\/pages\/775\/revisions\/833"}],"wp:attachment":[{"href":"https:\/\/balancekimmortgage.com\/en\/wp-json\/wp\/v2\/media?parent=775"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}