Here’s some highlights of loan options we have available: (some restrictions may apply)

 

• Wholesale rates available at deep discount well below prime

• Self-Employed Borrower Friendly Options (agency and non-agency options)

• Bank Statement Income loan options available

• Appraisal waivers available on purchase and refinance loans

• No Mortgage Insurance (MI) options available

• Reduced MI rates more than 1/3 less than most lenders

• 3% down minimum on Conventional loans w/ no income or property restrictions

  • Must be a first-time homebuyer (no ownership interest in a property in the past 3 years)​

• ​Up to 102% Financing available

• Downpayment Assistance up to 5% of the purchase price or appraised value

• Conventional Grant of up to $10,000 towards closing costs

• Day 1 Certainty® (aka Docless Income and Asset Verification)

• Departing residence can be excluded from DTI

• Credit as low as 500 acceptable

• Non-occupant co-borrowers allowed on purchase and refinances

• Derogatory Credit Events allowable

  • Previous bankruptcy, foreclosure, short sale and modifications are ok. No seasoning required!

• Foreign National, Expatriate, Permanent/Non-Permanent Residents, ITIN Loan Programs, etc.

• Manufactured Housing

  • Including singlewides, doublewides, and triplewides

  • Fannie Mae MH Advantage

  • Freddie Mac CHOICEHome

  • Eligible for One-Time Close (OTC) construction loan

  • Minimum credit score 700 with 20% down and 720 with less than 20% down payment.

  • Manufactured Housing, Modular, and Site Built eligible

• $100 Down HUD Homes

• Renovation Loans and Construction Loans available

• 2/1 Buydown on FHA, VA, USDA, and Conventional

  • Year 1 rate is 2% less than the current rate

  • Year 2 rate is 1% less than the current rate

  • Year 3+ is the current rate