For borrowers requiring the use of bank statements and/or asset amortization to qualify.

SmartSelf Alt Doc:

  • Loan amounts up to $3M
  • Use 12 month bank statements to qualify
  • No tax transcripts or tax returns required
  • Minimum 660 credit score
  • Maximum 50% DTI
  • 2-4 years derogatory credit
  • Cash-out refinance to 720 to 80% up to $2M loan amount
  • $1M cash in hand
  • 30-year Fixed Rate
  • 30-year Fixed Rate Interest Only
    • 10-year interest only period
    • 20-year amortization period
  • 90% LTV purchase and rate & term refi


Click here for the NewRez SmartSelf Product Profile


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