Home Ready

Fannie Mae’s conventional option for borrowers looking to purchase with a low down payment or refinance with limited equity

  • Purchases up to 97% including FTHB
  • Refinances up to 95% LTV, regardless of current mortgage program
  • Reduced Mortgage Insurance
  • High Balance available
  • Relaxed AMI income limits based on census tracts
  • Gift funds eligible for entire down payment

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Elite

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

  • 760+ FICO
  • 80% LTV or less
  • $250,000+ loan amount
  • Property inspection waivers accepted
  • Underwrite to AUS findings
  • Fixed and ARMs available

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Pay Advantage

Eliminate monthly mortgage insurance and increase your buying power! 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
  • Refinance with less than 20% equity

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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

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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

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HARP 2.0

We’re closing HARP 2.0 (Home Affordable Refinance Program) in 30 days or less! Do you have a mortgage that has a current loan with Fannie Mae or Freddie Mac that was originated prior to May 31, 2009? HARP 2.0/DU Refi Plus and Open Access allows you to refinance your current loan even if you owe more than the property is currently valued at.

  • Up to 175% LTV/Unlimited CLTV
  • Limited DTI restrictions
  • Property inspection waivers are accepted
  • M.I. transfers allowed with our HARP 2.0 with M.I. program

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ARMs

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.

  • Provide savings with lower rate and payment options
  • Reduced caps to 2/2/5 on all 5/1 ARM products
  • Competitive pricing on 5/1 and 7/1 ARMs

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VA borrowers can take advantage of industry-leading government rates and pricing. This is the obvious choice for our top-tier clients.

        680+ FICO

        $175,000 minimum loan limit

        Maximum loan amount can exceed county limits

        All fixed term mortgages

        Single family primary residences

        15, 20, and 30 Year options available

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      VA IRRRL 

For those who have bravely served in the Armed Forces we offer a VA IRRRL with no appraisal. It allows veteran borrowers to take advantage of their VA benefits by streamlining their current VA loan into a lower interest rate.


       
LTVs available up to 150%, unlimited CLTV

        No appraisal

        Maximum loan amount can exceed county limits

        Elite pricing available

        15, 20, and 30 Year options available

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                                                                                                       FHA Financing

Are you thinking about buying your first home? Looking for a low down payment option?

·        Perfect for first time homebuyers

·        3.5% Down payment for purchases

·        600+ minimum credit scores

·        Cash-Out refinancing up to 85% LTV

·        15,  20, and 30 Year options available

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                                                                                                         FHA Elite

Select FHA borrowers can enjoy industry-leading government rates and pricing.

        680+ FICO

        $175,000 - county loan limit

        All fixed term mortgages

        Single family primary residences

        Debt ratios accepted up to 55%

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                                                                                                      FHA Streamline

The FHA Streamline program allows you to refinance your FHA loan with no appraisal. Time is of the essence—stop the shop and use our quick closing process to secure your financing.


       
No minimum credit score required

        No income verification

        Mortgage history verification only

        Up to 60 days interest allowed

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                                                                                                        USDA Financing


Another great first time homebuyer loan program is the USDA loan program. This program allows for little or no down payment to purchase a new home.


·       
30-year fixed rate

·        No down payment required

·        No cash reserves needed

·        Closing costs may be financed on some transactions

·        Seller contributions allowed

·        Competitively low rates

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                                                                                                               Jumbo

Among the most competitive 30-year fixed rates in the industry, we offers incentives on all purchase transactions. From primary homes to investment properties, we provide jumbo loans up to 90% LTV with no PMI, with clear, hassle-free guidelines.

·        Eligible for primary, secondary and investment properties

·        FICOs as low as 650

·        Up to 90% LTV with no PMI

·        Loan amounts up to $4,000,000

·        Fixed rate and ARM loans available

·        Unlimited cash-out for some transactions