3% Down
Don’t have a big down payment? FHA’s not your only option. Get a conventional 3% down loan.

· Down payment as low as 3% (even for first-time homebuyers)

· Reduce or even eliminate monthly Mortgage Insurance

· Usually faster, easier and with a lower monthly payment than FHA

· Use gift funds for your entire down payment



Home Ready
Fannie Mae’s conventional option for borrowers looking to purchase with a low down payment.

· Purchase up to 97% including FTHB

· High Balance available

· Relaxed AMI income limits based on census tracts

· Gift funds allowed for entire down payment



The obvious choice for top-tier borrowers! Comprised of some of the best conventional rates & pricing in the industry, our Elite program allows you to close quickly, while obtaining some of the best rates available!

· 700+ FICO

· 80% LTV or less

· $200,000 + loan amount

· Property inspection waivers accepted

· Underwrite to AUS findings

· Fixed and ARMs available



Pay Advantage
Pay advantage offers you one of the lowest monthly payments available with a low down payment.

· Up to 97% LTV with no monthly M.I

· 100% gift for down payments eligible



Flex Term
Customize the perfect loan without resetting the mortgage clock! Flex Term provides you with flexible options to select your amortization term.

· Available on all conventional loan products

· Terms available from 8-30 years


Home Possible 
A great alternative to FHA financing for borrowers looking to purchase with a low down payment or refinance with limited equity.

·    Up to 95% LTV

·    First time homebuyers, move-up borrowers, and retirees

·    No income limits for Underserved Areas

·    No reserve requirements for 1-unit properties

·    Gift funds eligible for entire down payment 


Our aggressive ARM pricing can provide a lower payment on your mortgage! Secure yourself in a competitive 5/1 or 7/1 low interest rate ARM. 

·    Reduced caps to 2/2/5 on all 5/1 ARM products

·    Competitive pricing on 5/1 and 7/1 ARMs 

Purchase Options

Please fill out this form and a loan officer will contact you as soon as possible to discuss your purchase options.

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