Product Preview

We're committed to providing the most competitive product mix in the industry. Be sure to check out a message from our VP of Product Development - Lloyd Rutherford

Conventional 

We are an approved Fannie Mae and Freddie Mac seller/servicer with limited overlays, offering fixed and adjustable-rate loans

1

Purchase

2

No Cash-out Refi

3

Cash-out Refi

Affordable Lending with Income Limits

1

HomeReady, HomePossible - Purchase and Refi

Offer purchase and refinance, must meet income limits and property eligibility
2

RefiNow, Refi Possible

Must meet income limits and property eligibility

Housing Finance Agencies – State specific

State offered products with specific requirements for income, credit score and property eligibility requirements

1

Bond

2

DPA

3

MCC

Renovation

Options to purchase or refinance and renovate using the as-completed value of the home with a single closing

1

Conventional Homestyle

Allows primary residences, second homes or investment properties
2

FHA 203(k)

Allows primary residences

FHA

We are an approved Ginnie Mae seller/servicer with limited overlays, offering fixed and adjustable-rate loans

1

Purchase

2

No cash-out refinance

3

Cash-out refinance

4

Streamline refinance

Credit-Qualifying and Non-Credit Qualifying
5

203(h) - Mortgage Insurance for Disaster Victims

Presidentially declared disaster area – May purchase at 100% LTV when prior residence was destroyed or renovate current damaged residence
6

Reverse Mortgage

Eligible for purchase or refinance

VA 

We are an approved Ginnie Mae seller/servicer with limited overlays, offering fixed and adjustable-rate loans

1

Purchase

2

No cash-out refinance

3

Interest Rate Reduction Refinance Loan (IRRRL)

USDA 

We are an approved Ginnie Mae seller/servicer with limited overlays, offering fixed rate loans

1

Purchase

2

No cash-out refinance

3

Streamline Refinance

4

Simple Refinance

Manufactured Homes

1

Single wide, double wide and larger

New and existing homes

Jumbo Loans – Delegated

Multiple Jumbo options, including the following

1

Purchase, no cash-out refinance and cash-out refinance

2

All occupancy types

3

Loans to $5M

4

Jumbo AUS

5

Non-Warrantable Condos

6

No Mortgage Insurance

7

First-time homebuyers permitted

8

Blended ratios

Condominiums

1

Agency warrantable

2

Jumbo - Warrantable & Non-Warrantable

Low Down Payment Options with no income limits

1

HomeOne

At least one borrower must be a first-time homebuyer
2

FNMA 97%

At least one borrower must be a first-time homebuyer
3

FHA

No first-time homebuyer requirement

Wholesale Options

Multiple broker options, including the following

1

HELOC

2

ITIN

3

Bank Statement

4

Asset Qualification

5

Investment properties

6

Construction

7

Credit Alternatives

• Bankruptcy
• Foreclosure

Deferred Action for Childhood Arrivals (DACA) status permitted

DACA Options

1

FNMA

2

FHA

3

VA