PRODUCTS

CONVENTIONAL LOANS

  • Industry Leading Rates for Conforming and Agency Loans.
  • 97% Loan to Value.
    • Ability to tie it with MyCommunity
    • Offer 100% CLTV with gift funds
  • Industry Leading Mortgage Insurance Options.
    • Lowest Lender Paid Mortgage Insurance rates in the country!
    • MI is split 50/100.
  • DTI up to 50% with underwriter approval.
  • Qualify with only one year of tax returns.
  • Blended Ratio Allowed.
  • No seasoning on flipped properties.
    • Unlimited increase in sales price accepted.
  • Finance up to 10 properties.
  • Locks available without a secured property.
  • Top 8 correspondent lenders.
  • Approve loans with as low as 620 FICO score.
  • Down Payment assistance okay.
  • Your choice to bank or broker your loans.

JUMBO OPTIONS

  • Exclusive industry leading rates.
  • 90% LTV with no MI up to $1.5 Million.
  • Non-Warrantable condo and Condotel financing.
  • Investment property financing available.
  • Financing for properties with acreage (Hobby Farms).
  • Expat and Foreign National Loans available.
  • Asset Depletion Programs.
  • Jumbo Loans financing for properties above $4 million.
  • 80% LTV with one loan up to $2 Million O/O.
  • Interest only on loans up to $4 million.
  • 85% CLTV up to $2 million with second properties.
  • 100% Gift Funds allowed for DP 80%.

GOVERNMENT LOANS (FHA, VA, AND USDA)

  • In-house condo approvals with our DE certified underwriter.
  • 100 % cash out on VA loans with a 640 FICO score.
  • FICO scores starting at 580 FICO on FHA and 560 on VA loans.
  • Debt to Income (DTI) up to 60% on VA, Per AUS on FHA.
  • VA IRRRL and unlimited LTV and CLTV.
  • Streamlined FHA approval without an appraisal.
  • Down Payment assistance okay.
  • Offer USDA 100% Financing.

 

SECOND MORTGAGES

  • 80/10/10
  • Fixed and HELOC rates available.