Long Fixed Terms

SIVA Preferred

Designed for Borrowers with less than perfect credit, SIVA Preferred is an excellent alternative to the Elite product.

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Program Details

Although a little more documentation is required than on the Elite, the program may also revel in it’s own merits such as longer fixed terms and no LTV hits for occupancy. Also, being a SIVA product, the same principles of not documenting income through traditional methods still applies, while the interest rates offered are competitive to that of a Full-Doc mortgage. Liberal underwriting is the ethos of this product and most will find that obstacles simply do not exist when funding under this program.

Purchase + Refinance

  • O/O + N/O/O 1 Unit SFR + PUD’s (Warrantable Only ((Fannie-Mae Guidelines)).
    • 70% LTV to $1M (680+ FICO)
    • 65% LTV from $1M – $1.5M (700+ FICO)
      60% LTV from $1.5M to $2.5M (720+ FICO)
  • Condo’s (Warrantable Only ((Fannie-Mae Guidelines).
    • 65% LTV to $1M (680+ FICO)
    • 60% LTV from $1M – $1.5M (700+ FICO)
  • 2 – 4 Units
    • 60% LTV to $1.5M (700+ FICO)
  • Derogatory Seasonings
  • Bankruptcy 7+13 – 3 Years
  • SS + DIL – 2 Years
  • Foreclosure – 5 Years
  • Loan Modification – 1 Year
  • Max 1×30 in past 12 months.
  • Self-Employed + Wage Earner Borrower’s Only
  • W2 Wage Earner
    • Must present VOE reflecting 40% MAX DTI
  • Self-Employed Borrowers
    • CPA or EA Letter Required.
    • Borrower prepared P&L reflecting a net income of 40% MAX DTI signed by CPA or EA and Borrower.
    • Proof of Self-Employment for a minimum of 2 Years such as Articles of Inc, Business Licenses, or Professional License.
  • Reserves:  12-Months
  • No Pre-Payment Penalties.
  • Gift Funds Allowed – 10% of Purchase Price + Reserves must be Borrower’s own funds.
  • 10 maximum properties owned/financed.
  • All Properties Zoned Residential Accepted.


** Unlimited Loan Amounts are taken on a case-by-case basis and decision will be based upon compensating factors of Borrower’s strengths such as High Reserves, Excellent Credit, etc.

How everything works

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Frequently Asked Questions

TLA Bancorp is an experienced and seasoned licensed lender, offering loans to brokers, realtors, and consumers alike.  Just tell us about yourself, your home, and your finances, and we’ll give you real rates and numbers. We’ll get you approved and be open to any and all questions you may have that will help you choose the mortgage that’s right for you.

TLA Bancorp is a seasoned licensed lender offering products to industry professionals and consumers alike.  Just tell us a little about yourself, your home, and your finances and we’ll be able to give you real rates, costs (if any), and turn times immediately while ensuring we address all your questions and concerns throughout the process.

We provide award-winning customer service and expert advice when you need it 24 hours a day, 7 days a week. Our team is ready to assist you at any time.

Yes. Protecting your personal information is our top priority.

TLA Bancorp is located at 29209 Canwood Street Ste 210, Agoura Hills, CA 91301.

Certain programs will require certain credit criteria and requirements. However, some do not require any credit requirements of any kind at all. Please call one of our professional team members for more information.

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