Join Our Team: 866-765-1907
Slide background
products-teaser

Conventional Fixed

  • Agency Fixed Rate Programs
    • 30 Year Fixed and High Balance
    • 25 Year Fixed
    • 20 Year Fixed
    • 5 Year Fixed and High Balance
    • 10 Year Fixed

Conventional ARMs

  • Agency ARM Programs
    • 3/1 LIBOR ARM and High Balance
    • 5/1 LIBOR ARM and High Balance
    • 7/1 LIBOR ARM and High Balance
    • 10/1 LIBOR ARM and High Balance
  • Qualifying Rate for Conforming ARMs
    • 3/1 & 5/1 ARMs are Qualified at Greater of the Note Rate + 2% or the Fully Indexed Rate
    • 7/1 & 10/1 ARMs are Qualified at Greater of the Note Rate or the Fully Indexed Rate

Additional Credit Flexibilities – Conventional

  • Direct Agency Seller-Servicer
  • Manufactured Homes
  • 5-10 Unit Financed Properties
  • 1yr Tax Returns per findings
  • W2 Transcripts only per findings
  • HomeReady (Formerly MyCommunity)
  • Homestyle Renovation Loans
  • Home Affordable Refinance Program

Home Affordable Refinance Program

  • Refinance Highlights
    • 150% LTV/Unlimited CLTV
    • Primary residence, second homes, investment, 2-4 units
  • FNMA DU REFI PLUS
    • 30 year fixed and High Balance
    • 20 year fixed
    • 15 year fixed
  • FHLMC LP Open Access Programs
    • 30 Year Fixed and High Balance
    • 20 Year Fixed
    • 15 Year Fixed

FHA Financing

  • Minimum credit score: 580
  • Minimum credit score High Balance: 620
  • Scorecard AUS “Approve/Eligible” or LP “Accept”
  • Manual underwrites with extenuating circumstances allowed
  • Programs:
    • Fixed Rate
      • 30 Year Fixed and High Balance
      • 25 Year Fixed
      • 20 Year Fixed
      • 15 Year Fixed
    • ARM
      • 3/1 Treasury ARM
      • 5/1 Treasury ARM
      • Qualifying Rate: Greater of Fully Indexed or Note Rate
  • FHA 203k Renovation Loans
    • Scores down to 620
    • Purchase and Refinance
    • Full and Streamline
  • FHA Streamline
    • Scores down to 600

Additional Credit Flexibilities – FHA

  • Manufactured and Modular Homes
  • HUD REO
  • HUD with Repair Escrows

VA Financing

  • Minimum credit score: 580
  • Loans over $417,000: 620
  • Scorecard AUS “Approve/Eligible” or LP “Accept”
  • Manual underwrites with extenuating circumstances allowed
  • Cash out refinance max LTV 100% with 600 FICO
  • Programs:
    • 30 year fixed and High Balance
    • 25 year fixed
    • 20 year fixed
    • 15 year fixed
    • 3/1 Treasury ARM
    • 5/1 Treasury ARM
    • Qualifying Rate: Greater of Fully Indexed or Note Rate
  • VA IRRRL
    • Scores down to  600
    • No AVM and unlimited LTV options

Additional Credit Flexibilities – VA

  • Manufactured Homes

USDA Financing

  •  Minimum credit score: 620
  • Manual underwrites with extenuating circumstances allowed
  • Purchase, Refinance and Streamline
  • Programs:
    • Fixed Rate
      • 30 Year Fixed

Bond Loans

  • Approved with US BANK Mortgage Revenue Bond Division
  • Manual underwrites with extenuating circumstances allowed
  • Purchase, Refinance and Streamline

Non-Conforming JUMBO

  • Minimum credit score: starting at 680
  • Delegated and Non-Delegated options
  • LTV’s up to 90%
btnimage