Conventional Standard
An affordable loan option w/ standard requirements
Loan amounts up to $806,500
Minimum down payment of 3%
Min FICO of 620
Up to 97% CLTV
Cancelable MI
Conventional High Balance
For homebuyers seeking properties beyond the standard limits
Loan amounts up to $1,209,750
Min FICO of 620
Up to 97% CLTV
Primary, secondary homes & investment
Fannie Mae HomeReady
Perfect for borrowers with limited down payment capabilities
Loan amounts up to $806,500
Min FICO 620
Up to 97% CLTV
Cancelable MI
Primary residence
Freddie Mac Home Possible
An affordable mortgage option for low to moderate income individuals
Loan amounts up to $806,500
Min FICO 620
Up to 97% CLTV
1-4 units, condos, and PUDs; mfg homes with restrictions
Cancelable MI
Fannie Mae RefiNow
A flexible refinance option with simplified underwriting
Reduced documentation
Min. FICO 620
Up to 97% CLTV
Owner-occupied, 1-unit primary residence
Min. 12 month seasoning requirement
Freddie Mac Refi Possible
A flexible refinance option with simplified underwriting
Reduced documentation
Min. FICO 620
Up to 97% CLTV
1 unit primary residence
Min. 12 month seasoning requirement
Jumbo
A solution for borrowers seeking large home loans
Loan amounts up to $3 million
Up to 89.99% CLTV
Min. FICO 680
No MI required
More Coming Soon!
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FHA Standard
Great for borrowers with limited down payment capabilities
Loan amounts up to $524,225
Min. down payment of 3.5%
Min. FICO 640
MIP is required
FHA High Balance
A mortgage option allowing for larger loan amounts in high-cost areas
Loan amounts up to $1,209,750
Min. down payment of 3.5%
Min. FICO 640
MIP is required
FHA Streamline Refinance
Current FHA loan refinance solution with minimal requirements
Min. 6 payments on current FHA loan
Min. FICO 640
Primary residence
DSCR
Investment property financing with no income required
No income, no employment
DSCR as low as 0
FICO >= 620
Up to 80% CLTV
Cash out available up to 75% LTV
12/24 Month Bank Statement
Qualify based on your cash flow, great for self employed borrowers
Personal, business or combined bank statements
No Score or FICO 620
Up to 90% CLTV
Min. 3 months of reserves
ITIN
Buy a home without a SSN, instead use your Individual Taxpayer Identification Number
Loam amounts up to $1.5 million
Min FICO 660
Up to 80% CLTV
Min FICO 660 & up to 80% CLTV for Super Prime
Min FICO 700 & up to 70% CLTV for DSCR
1 & 2 Year P&L
An easy / alternative solution for self-employed borrowers
Loan amounts up to $2.5 million
Min. FICO 660
Up to 80% CLTV
Bank statements not required up to 70% LTV
P&L reviewed by Licensed CPA, CTEC registered Preparer or IRS Enrolled Tax Agent
1099
An ideal loan for independent contractors or sole proprietors
1099s for the last 1 year
1 year history with the same employer
No Score or FICO 620
Up to 85% CLTV
Gift funds allowed
1YR or 2YR Full Doc
A Non-QM solution for Full Doc borrowers
Loan amounts up to $4 million
No Score or FICO 620
Up to 90% CLTV
DTI up to 55% on owner-occupied
Min. 3 months of reserves
Home Equity – Line of Credit
Flexible access to funds for renovations to debt relief
30, 20 or 15 year HELOC with 3 year draw period
Borrow up to $500,000
Available for primary, secondary & investment
Min. FICO 640
Min. loan amount of $50,000
Home Equity – Loan
Fixed rate second mortgage options
Fixed rate terms for 5, 10, 15, 20, 25 & 30 years
Borrow up to $500,000
Min. FICO 640
Available for primary, secondary & investment
Min. loan amount of $25,000
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All Loan Products are subject to Lender’s full underwriting guidelines.
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