Our Loan Programs

Each borrower’s situation is unique and we are equipped to help with our expanded product selection! These products help borrowers like you achieve their homeownership or refinance goals. Where do you fit?

A FULL SUITE OF PRODUCTS

Each borrower’s situation is unique and we are equipped to help with our expanded product selection!

Conventional

Conventional Loan Programs

  • 15, 20 and 30-year Fixed Rates
  • Cash-out Refinance Options
  • Purchase With Only 3% Down
  • Credit Scores as Low as 620

FHA

FHA Loan Programs

  • Purchase With Only 3.5% Down
  • Refinance Up to 97.5% Loan-To-Value
  • Credit Scores as Low as 500
  • FHA Streamline Program

VA

VA Loan Programs

  • Purchase With 0% Down
  • Credit Scores as Low as 500
  • Cash Out Options
  • Mortgage Insurance (PMI) Not Required
  • VA IRRRL Program Available

USDA

USDA Loan Programs

  • Purchase With 0% down
  • Credit Scores as Low as 620
  • Streamlined Assist Refinance Loans Available
  • Minimal Out of Pocket Closing Costs

Jumbo

Jumbo Loan Programs

  • Loan Amounts up to $3.5 Million
  • Cash Out up to $500,000
  • Credit Scores As Low As 660
  • Purchase or Refinance Options
  • 30-year Fixed Rate Available

Investment Property Loan

Investment Property Loan Programs

  • No Personal Income or Tax Returns Needed
  • No Other Personal Debt Analyzed
  • Credit Scores as Low as 640

Bank Statement Loans

Bank Statement Programs

  • 12- and 24-month Personal and Business Bank Statement
  • 2 Year History of Self-Employment Required
  • Primary, Second, and Investment Homes
  • 40-Year Fixed, 30-Year Fixed with 10 Year Interest Only Option Available

Second Lien

Second Lien Programs

  • Minimum FICO Score 680
  • Up to 100% Combined Loan to Value
  • 10, 15, 20, 30 year terms available
  • Owner Occupied or Second Homes Ok

Expanded Credit

Expanded Credit Program

  • Credit Scores Down To 560
  • 30 Day Late Housing Payments Acceptable
  • 1 Day Out of Chapter 13 Bankruptcy & Short-Sales Allowed
  • 12 Months Seasoning on Foreclosures and Non-Chapter 13 BK
  • LTV up to 85%

Non-Warrantable Condo

Non-Warrantable Condo Programs

  • Available for 30-Year Fixed and 30-Year Fixed with 10 Year Interest Only Option
  • Loan Amounts up to $3,000,000
  • Cash-out Permitted
  • Owner-Occupied, Second Homes, and Investment Properties permitted (no DSCR)

1099 Only Income

1099 Only Income Programs

  • One (1) or two (2) years of 1099s
  • 4506-C required with a transcript for the 1099s
  • Verification of Employment from current contract employer

Second Home Options

Second Home Options

  • Loan Amounts Up to $3,000,000
  • Purchases Available up to 90% LTV
  • Credit Scores Down to 620
  • Bank Statement Income Available for Second Homes
  • Gifts Permitted with 5% of Own Funds
  • Low Reserves Requirements
  • Cash-Out Proceeds Allowable for Reserves

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