Home Ready

Fannie Mae's conventional option for borrowers to refinance with limited equity.

· Refinances up to 95% LTV, regardless of current mortgage program

· Reduced Mortgage Insurance

· High Balance available

· Relaxed AMI income limits based on census tracts 


The obvious choice for top-tier borrowers! Comprised of some of the best conventional rates and pricing in the industry, our Elite programs 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 ARM’s 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 

Refinance Options

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

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