Product Suite
Sunny
Primary & second homes · Full & Alt Doc
The clear-sky suite. Owner-occupied and second-home lending for every way your borrower earns from W-2s to bank statements to assets alone.
At a glance
Loan amounts
To $3M
Max LTV
90%
Min FICO
From 640
Occupancy
Primary & 2nd
One suite, eight income paths. If your borrower earns it, Sunny can document it.
Made for these borrowers.
Self-employed borrowers with strong deposits but write-off-heavy returns
W-2 earners who miss agency by a hair
Retirees and borrowers with significant assets, not paychecks
ITIN borrowers building a life here
“You don’t need a perfect tax return to buy a home. We qualify you on how you actually earn.”
How to pitch it to your borrower
Programs in this suite.
Have a Sunny scenario?
Price it in Sky Port in under a minute or send it to the Scenario Desk.