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Conventional
- 620+ FICO
- Primary, second and investment properties
- Loan amounts up to county loan limit $647,000(up to $710,700 for High Balance)
- Eligible for primary, second and investment properties on purchase, rate/term and cash-out refinances
- LTV's as high as 97% on purchase and rate/term refinances
- LTV's as high as 80% on primary home and 75% on second home and investment cash-out refinances
- 2-1 and 1-0 Temporary Rate Buydowns available for primary and second home purchases
- Flexible Fixed terms from 10 to 30 years
- 5, 7 & 10 Year ARM’s available
FHA Loans
640+ FICO
- Loan amounts from $125,000 up to county loan limits
- All fixed term mortgages
- Single family primary residences
- Available on single- and multi-wide, condos and PUDs
- 2-1 and 1-0 Temporary Rate Buydowns available for primary purchases
VA Loans
- Loans up to $4M
- 620+ FICO Up to 100% LTV
- Fixed term only
- Single family primary residence
- Purchase & cash-out refinance
- Available on single- and multi-wide, condos and PUDs
- Escrow waivers up to 100% LTV
- 2-1 and 1-0 Temporary Rate Buydowns available for primary purchases
Self Employed
- Up to $3 million loan amount
- Up to 85% LTV
- Personal and Business Bank Statements allowed
- Options with no Mortgage Insurance
- No Tax Returns Necessary
Investor Loans
- DSCR(No Income/No Doc)
- Commercial Loans
- Bridge Loans
- Fix and Flip
- LLC/Entity Closings
Non Warrantable Condos and Condotels
- Non Warrantable Condos up to 80% LTV
- Condotels up to 75% LTV(No condo questionnaire necessary)
- Studios over 500 sq. ft.
- Short term rentals allowed
- Eligible to close in LLC/Entity Name