Choice America Lending, LLC Call: (913) 825-5300
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Home Purchase Back to Loan Programs
Alt A PlusOffer your buyer our fastest, easiest program ever!
This program offers your client three reduced documentation options on Conforming Fixed products. While competitors are only offering NINA on expensive portfolio products, we’ll finance a 100% LTV NINA on a Conforming Fixed Rate!

No Doc - No problem!

NINA allows borrowers to qualify with a credit score, an appraisal and employment verification!

High Loan-to-Values

100% LTV allowed on all three programs, even the NINA!

Flexible Guidelines

Self-employed and salaried borrowers are eligible.

Product Features

Fixed rates; Conforming pricing; Minimum 660 FICO; Multiple units; Cash out refinance.

 

Easy!

No Income Verifier (NIV)

  • As low as 660 FICO
  • 4506-T required

Easier!

No Ratio (NR)

  • As low as 660 FICO
  • 4506-T not required

Easiest!

No income no Asset (NINA)

  • As low as 660 FICO
  • 4506-T not requied