Residential Products Spotlight
FHA
- FHA Purchase Loans – Buy a home with as little as 3.5% down and a 580 FICO score!
- Down Payment Assistance & Grants – Qualify with a 600+ FICO score and put 0% down!
- FHA Purchase & Refinance Loans – Available for borrowers with credit scores as low as 500.
- FHA Manual Underwriting – Perfect for borrowers with low or no credit history.
FHA 203K Rehabilitation Loans – Buy & renovate a home with one easy loan! - FHA One-Time Close Construction Loans – Build your dream home with just 3.5% down—use your land as the down payment!
- FHA Reverse Mortgages – Turn home equity into cash for homeowners 62+.
- FHA Streamline Refinance – No appraisal, low documentation, and fast closings!
- Owner-Occupied Mixed-Use Loans – Buy a residential + commercial property with as little as 3.5% down!
- Manufactured & Modular Home Loans – FHA financing for single-wide, double-wide, and modular homes.
- Gift Funds Allowed – Use gifts from family or friends toward your down payment!
- No Lender Overlays – We approve more FHA loans with flexible guidelines (OTC Construction Loans excluded).
USDA
- $0 Down Payment – 100% financing available with credit scores as low as 580!
- No Minimum FICO Score Required – Manual underwriting available for borrowers with no credit score!
- USDA One-Time Close Construction Loans – Build your dream home with 0% down!
- No Lender Overlays – More flexible approvals for qualified borrowers!
Gift Funds Allowed – Use gift money for closing costs or reserves! - Manufactured & Modular Home Loans – USDA financing available for eligible factory-built homes!
- Lower Mortgage Insurance Costs – USDA loans have lower upfront and monthly mortgage insurance compared to FHA!
- Flexible Debt-to-Income Ratios – Higher DTI approvals with strong compensating factors!
- Energy-Efficient Home Financing – Use USDA loans for homes with energy-saving upgrades!
- Refinance Options Available – USDA Streamline and Non-Streamline
- Refinancing options available!
- No Prepayment Penalties – Pay off or refinance anytime without extra fees!
VA
- $0 Down Payment – 100% financing with no down payment required!
Credit Scores as Low as 500 – Flexible credit approvals for veterans and service members! - Manual Underwriting Available – Qualify even with low or limited credit history!
- Higher Debt-to-Income Ratios – VA loans allow higher DTIs with AUS approvals!
- VA Renovation & Rehabilitation Loans – Buy & renovate a home with one VA loan!
- VA IRRRL (Streamline Refinance) – Fast, low-cost refinance with no appraisal or income verification!
- VA Cash-Out Refinance – Turn home equity into cash for debt consolidation, home improvements, or investments!
- VA One-Time Close Construction Loans – Build your dream home with 0% down!
- No Minimum Credit Score Required – (Except for OTC Construction Loans)
- No Lender Overlays – Easier approvals with flexible underwriting!
Gift Funds Allowed – Use gift money for closing costs or reserves! - Manufactured & Modular Home Loans – VA financing available for eligible factory-built homes!
- No Private Mortgage Insurance (PMI) – Save hundreds each month with no PMI!
- Assumable VA Loans – Sell your home and let another VA-eligible borrower assume your low-interest loan!
- Jumbo VA Loans – VA loans above conforming loan limits with no or low-down payments!
- Surviving Spouse Benefits – Eligible spouses of fallen service members can qualify for VA home loans!
- Energy-Efficient VA Loans – Finance energy-saving upgrades into your VA loan!
Conventional
- $0 Down Payment Options – Bond & Down Payment Assistance Programs available!
- Low Down Payment Programs – Buy a home with as little as 3% down!
- Credit Scores Down to 620 – Conventional financing with flexible credit guidelines!
- HomeReady® & Home Possible® Loans – Low down payment & reduced PMI for eligible borrowers!
- Conventional Rehabilitation Loans – Buy & renovate a home with one loan!
- Jumbo Conventional Loans – High-balance loan options for luxury and high-cost properties!
- 2/1 Buydown Programs – Lower your mortgage payment for the first two years!
- One-Time Close Construction Loans – Build your dream home with a conventional loan!
- Manufactured & Modular Home Financing – Conventional loans available for eligible factory-built homes!
- No Lender Overlays – We follow Fannie Mae & Freddie Mac guidelines with flexible approvals!
- Gift Funds Allowed – Down payment & closing costs can be covered by family gifts!
- Self-Employed & Non-Traditional Income Friendly – Easier qualification with alternative income documentation!
- Investor & Second Home Loans – Financing for rental properties & vacation homes!
- Rate & Term & Cash-Out Refinances – Lower your rate or pull equity out for home improvements or investments!
- Full Suite of Fannie Mae & Freddie Mac Programs – Conforming, high-balance, and specialty loan options available!
nonQM- ITIN
- Down Payments as Low as 10% – Low down payment options for eligible borrowers!
- No Tax Return Programs – Qualify using Bank Statements, 1099 Only, or Profit & Loss (P&L) Statements!
- DSCR Rental Loans – No income verification needed for investment properties—qualify based on rental income!
- Foreign National & F1 Visa Loans – Home financing options for non-U.S. citizens!
- Gift Funds Allowed – Use gifted money for your down payment or closing costs!
- No EAD (Employment Authorization Document) Required – No work permit needed to qualify!
- No Work Visa Needed – No need for a work visa to purchase a home!
- No Green Card Needed – Homeownership possible without a green card!
- No Reserves Required – More flexible qualification with no required cash reserves!
- Only 12 Months of Income Needed – Qualify with just 12 months of verifiable income!
- ITIN Mortgage Loans – Financing available for borrowers with an Individual Taxpayer Identification Number (ITIN)!
- Self-Employed Friendly – No W-2s or pay stubs required—alternative income documentation accepted!
- Fixed & Adjustable-Rate Mortgage Options – Competitive interest rates with multiple loan structures!
nonQM
- Chattel (Home-Only) Financing – Specialized loans for purchasing manufactured homes without land.
- Super Jumbo Loans Up to $5 Million – Financing for high-value properties exceeding conforming loan limits.
- Alternative Income Documentation Programs – Ideal for self-employed borrowers, i
- Bank Statement Loans – Qualify based on personal or business bank statements
- 1099 Only Programs – Designed for independent contractors using 1099 forms.
- Profit & Loss (P&L) Statement Programs – Use professionally prepared P&L statements for qualification.
- Asset Depletion Programs – Qualify based on liquid assets rather than income.
- Hybrid Documentation Programs – Combine various documentation methods to meet unique financial situations.
- Recent Credit Event Programs – Financing options for borrowers with recent bankruptcies, foreclosures, or other credit challenges.
- Bridge Loans & "Buy Before You Sell" Programs – Short-term financing solutions to purchase a new property before selling the existing one.
- Specialty Property Financing – Loans for unique properties, including:
- Hobby Farms – Properties used for small-scale agriculture or recreational farming.
- Unique Properties – Non-traditional homes that may not meet standard lending criteria.
nonQM (cont)
- Homes with Acreage – Properties with substantial land, ideal for agriculture or personal use.
- Debt Service Coverage Ratio (DSCR) Loans – For real estate investors, qualify based on rental income covering debt obligations.
- Foreign National & Visa Holder Programs – Financing options for non-U.S. citizens, including:
- Foreign National Loans – For borrowers living abroad seeking U.S. property investments
- F1 Visa Holder Loans – Tailored for international students or professionals on F1 visas.
- No Employment Authorization Document (EAD) or Work Visa Required – Simplified qualification for eligible borrowers.
- No Green Card Needed – Homeownership opportunities without permanent residency status.
- No Reserve Requirement Programs – Loans that do not mandate cash reserves, easing qualification.
- Interest-Only Loans – Lower initial monthly payments by paying only interest for a set period.
- Alt-A Mortgages – For borrowers with good credit but non-traditional income or asset situations.
- No-Doc Loans – Loans that require minimal or no documentation of income or assets.
- Interest-Only Loans – Pay only interest for a specified period, reducing initial monthly payments