You are purchasing a home and would like to obtain a first and second deed of trust at the same time

You are purchasing under a 1031 exchange program

Your income is only derived from non-wage income (security investments, land holdings, annuities or other non-wage income)

You are unwilling to provide supporting documentation for a Full Doc loan; there are loan programs for you

You are financing and want to keep the second on your property

You are refinancing and want to receive more than $100,000 as cash out

You are purchasing or refinancing a condominium unit that is located in a complex that is presently in litigation

You have multiple credit report derogatory accounts

Your credit report indicates public records showing judgments or tax liens