loan programs

Preview our variety of loan offerings

Conventional Standard

An affordable financing option with standard requirements

  • Loan amounts up to $806,500
  • DTI up to 50%
  • Minimum down payment 3%

Fannie Mae HomeReady

The perfect fit for clients with limited down payment capabilities

  • Loan amounts up to $806,500
  • DTI up to 50%
  • Primary Residence

Freddie Mac Home Possible

An affordable mortgage option for low-to-moderate-income individuals

  • Loan amounts up to $806,500
  • DTI up to 50%
  • Primary Residence

Conventional High Balance

Qualify homebuyers seeking properties exceeding the standard limits

  • Loan amounts up to $1,209,750
  • DTI up to 50%
  • Primary, Secondary homes & investments

VA Standard

A loan solution for veterans, active-duty service members, and their eligible surviving spouses

  • Loan amounts up to $2,000,000
  • Gift Funds are allowed
  • No down payment required

VA IRRRL

A streamlined refinance option for veterans and active-duty service members

  • Loan amounts up to $1.5 million
  • No appraisal or credit underwriting required
  • Primary residence, investments, second home

FHA Standard

Qualify home buyers with limited down payment capabilities

  • Loan amounts up to $524,225
  • DTI up to 55%
  • Little as 3.5% down on 1-4 Units

FHA High Balance

A mortgage option allowing for larger loan amounts in high-cost areas

  • Loan amounts up to $1,209,750
  • DTI up to 50%
  • Primary, Secondary homes

DSCR

An investment property loan that closes in an LLC, and quick.

  • Credit for DSCR > 1.25
  • No income no employment
  • Short term rentals up to 80% CLTV

12/24 Month Bank Statement

A perfect fit for self-employed clients

  • Personal, business, or combined bank statements
  • Min. 3 months of reserves
  • Flexible down payment options

1099 Only

An ideal loan for sole proprietors or contract individuals

  • 1099's for the last 1 year
  • 1-year history with the same employer
  • Gift funds allowed

Asset Utilization

An ideal solution for borrowers with liquid assets: retirees, investors, and the self-employed

  • Qualifying assets / 60 months
  • Min 3 months of reserves
  • Loan amounts up to $4 million

Prime Jumbo

A great fit for borrowers in search of large home loans for purchase or investment

  • Loan amounts up to $3.5 million
  • DTI up to 50%
  • Cash out without limitations

Second Mortgage

A solution to secure additional funding with existing equity

  • Loan amounts up to $500,000
  • DTI up to 50%
  • Owner-occupied, second home, or investment

Closing costs