More options

Greater flexibility

Clients get lower monthly payments and a guaranteed, set interest rate for the life of the loan. We have the ability to do Manual Underwrites.
Qualifications:
Min. credit score required: 620
Min. down payment required: 3%
Max. loan amount: $726,200*
For high interest rate environments, take advantage of the lowest rates available on the market for a fixed period.
Qualifications:
Min. credit score required: 620
Min. down payment required: 5%
Max. loan amount: $726,200*
For clients who need easier qualifications than a Jumbo Loan.
Benefits:
Min. credit score required: 620
Loan-to-value ratio (LTV) up to 80% on cash-out properties
Applicable for loan amounts over $726,201 - $1,089,300
Access to a reduced interest rate* for the first one to three years of the loan.
Overview:
Product Options: 1-0, 2-1 and 3-2-1
Eligibility: Purchase-only Fannie, Freddie, FHA and VA fixed mortgages.
Example buydown contributors: Real Estate Agents, Home Sellers, Builders, and Correspondent Lenders

*Subject to county loan limits.

For clients looking to purchase a home or refinance an existing mortgage with a product that has lower barriers to entry. We have a DPA program for FHA loans that is completely forgivable and we have the ability to do Manual Underwrites.
Qualifications:
Min. credit score required: 500*
Min. down payment required: 3.5%
For qualified veterans, service members, and spouses.
Qualifications:
Min. credit score required: 500
Min. down payment required: 0%
For clients who have an existing FHA loan and want to lower their payments with a streamlined process.
Benefits:
Min. credit score required: 580*
Reduced documentation requirements
Quicker turn times
For clients who have an existing VA loan and want to lower their payments with a streamlined process.
Benefits:
Can refinance up to 120% of home value
Reduced funding fee is just 0.5% of the loan amount
An appraisal is not needed in most scenarios.
FICO score as low as 580.
A USDA home loan is a competitively priced mortgage option that helps to make purchasing a home more affordable for low-income individuals living in designated rural areas. The U.S. Department of Agriculture backs USDA loans in the same way the Department of Veterans Affairs backs VA loans for eligible individuals such as veterans and their families.Restricted by income & geographical location of the subject property. We have the ability to do Manual Underwrites.
Qualifications:
Minimum credit score is 550. Minimum down payment is $0.

*Subject to county loan limits.

For clients looking for mortgage payment flexibility so they can use their money how they want.
Qualifications:
Min. credit score required: 620
Max. loan amount: $125,000
For clients who have loan amounts above high-balance loan limits with an Adjustable-Rate term.
Benefits:
Min. credit score required: 600
Min. down payment required: 10%
Max. loan amount: $8M
For clients who have loan amounts above high balance loan limits with a Fixed term.
Qualifications:
Min. credit score required: 680
Min. down payment required: 10.01%
Max. loan amount: $8M

*Subject to county loan limits.

A DSCR loan is a measure of the cash flow a borrower has to pay against current debt obligations for an investment property. A DSCR loan is a type of non-QM loan used by real estate investors to help them qualify for a loan based on their property’s cash flow, without having to verify personal income.
Bank statement loans are a type of non-qualified mortgage loan that allows you to qualify based on bank statements instead of tax returns. The lender will require prospective borrowers to provide a certain number of months' worth of bank statements in order to prove their ability to repay the loan.
A 1099 income loan is a mortgage solution for self-employed and contract workers who have trouble qualifying for a conventional loan. Borrowers can use their 1099 earning statements to show work income instead of tax documents.
Profit and loss statement only mortgage loans is a type of loan product where the borrower is only required to provide their profit and loss statements rather than formal documents. This loan is ideal for self-employed individuals and business owners who may not have the documents needed when applying for any type of traditional mortgage.

*These mortgage products are available on a case by case basis and subject to qualifying and county loan limits.