eRESI Program Overview house logo

Program Overview

Everything You Need
Fast & Easy

Your success is our success. Everything we do is supported by our commitment to collaboration, dependability, longevity, and bringing an incredible amount of experience to the table.

Lock Desk
Real-Time Feedback & Pricing
  • Immediate feedback on pricing and market
  • Pricing questions and adjustments
  • Real-time rate sheets and updates
Scenario-Credit Desk
ASAP Response Time
  • Credit professionals on standby
  • Respond with accuracy and urgency
  • Monthly webinars on products and best-practices
Client Support Team
A Dedicated Team Serving You
  • Get your loans funded quickly
  • Collateral and condition clearing
  • Process and system training

Products to power your growth

With a wide range of program options, coupled with a common-sense credit team, our partners have everything they need to succeed.
eRESI main house logo
Full Doc icon

eXpress Full Doc Program

Loans that just miss Jumbo A guidelines.
DTIs up to 50% with no LTV overlay
LTVs up to 85% and Cash-Out options
Loan amounts up to $3mm
No reserves required for LTV <=65%
Alt doc icon

eXpert Enhanced Program

Calculate borrower income using 12- and 24-mo bank statements, 1099s, P&L only, and WVOE.
1 Yr Self Employment income permitted with 2 yr history
LTVs up to 85% and Cash-Out options
Interest-only options
No reserves required for LTV <=65%
DSCR icon

eXperienced Investor DSCR Program

Investor program using property cash flow to qualify.
Minimum DSCR 0.80
Loan amounts up to $3mm
Interest-only option
Allow corporation or LLC
CES icon

Closed-End Second Lien

Access to equity without refinancing the existing loan.
CLTV up to 85% w/ max $500,000 loan amount
Allow the use of Bank Statements to qualify
Second home and investment property
DTIs up to 50% and min FICO 680

Home Equity Line of Credit (HELOC)

Flexible access to equity with a revolving line of credit.
Credit lines up to $500,000 and HCLTV up to 85%
Full Doc and Bank Statement options
Primary residences, second homes, and investment properties
Interest-only payments available during the draw period

Jumbo Express AUS

Strong terms for well qualified borrowers purchasing or refinancing high-value homes.
No manual underwriting; use AUS Findings
Loan amounts up to $3mm
Cash-Out option available
Non-warrantable condos welcome
Agency Eligible Non-Owner Occupied icon

Agency Eligible NOO and 2nd Homes

Expand your execution on Agency Investor loans.
Agency-eligible non-owner occupied loans
Loan limit up to Agency limit
Cash-Out option available
Max 80% LTV and 50 DTI%
Next-level liquidity
sales@eresimortgage.com
‍855-208-2546
21 Miller Alley, Suite 210
Pasadena, CA 91105

450 Seventh Ave, Ste 2407
New York, NY 10123
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eRESI® is an investor in the secondary mortgage loan market and not a direct lender, originator or mortgage servicer. Information provided on this website is intended for licensed mortgage professionals only and not for consumers. eRESI does not make origination credit decisions or extend credit.  Please see applicable Terms & Conditions and Disclaimers.