Product Line

Programs We Offer!

CONVENTIONAL LOANS

3% or 5% Minimum Down Payment
Average Turn-Time 22 Days
100% Gift Funds Allowed (Primary & Second Home)
1 Year Tax Returns Available
Qualify Using Assets for Income Allowed
Minimum 4 Year Bankruptcy Seasoning
Minimum 620 Credit Score
Temporary Rate Buydowns Available

FHA LOANS

Minimum 3.5% Down Payment
Average Turn-Time 26 Days
100% Gift Funds Allowed
FICO Score Flexibility
Minimum 2 Year Bankruptcy Seasoning
Temporary Rate Buydowns Available

VA LOANS

0% Minimum Down Payment Available
Average Turn-Time 24 Days
100% Gift Funds Allowed
No Private Mortgage Insurance
DTI Flexibility
Temporary Rate Buydowns Available

JUMBO LOANS

Low Down Payment Available
100% Gift Funds Allowed
No Private Mortgage Insurance
Interest Only Payment Available
1 Year Tax Returns Possible

Assistance Programs

3% - 5% Down Payment Assistance
Closing Cost Assistance

INVESTOR CASH-FLOW LOANS (DSCR)

Use Rental Income to Qualify
Minimum 15% Down Payment Available
Can Close in LLC name
Interest Only Available
No Prepayment Penalty Available

PORTFOLIO LOANS (“Stated Income”)

No Tax Returns or W-2’s Required
Minimum 10% Down Payment Available
Bank Statement Only
Verification of Employment Only (VOE Only)
Profit & Loss Only
1099 Only

NO RATIO PROGRAM

No Income & No Employment Verification Required
20% Minimum Down Payment
Gift Funds Allowed
Minimum 640 Credit Score With 35% Down Payment

HELOC's

Up to 89.99% CLTV Available
Maximum $750,000 Line Available (Up to 80% CLTV)
Minimum FICO 640 (Up to $125,000 Line)
No Appraisal Option Available
Interest Only Payment
No Prepayment Penalty

PRIVATE HARD MONEY PROGRAMS

For Investment Property and Flips
10-25% Minimum Down Payment
Can Finance Rehab Costs for Fix & Flip’s
Average Turn-Time 6 days
Interest Only Payment
No Prepayment Penalty Options Available

Let us take the stress out of the loan process!

Lock down your rate today! Get pre-qualified through our secure form.

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