FLEXIBLE LOAN TERMS

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

• Available on conventional, FHA and VA loan products
• Terms available from 8–30 years

RAPID CLOSING DISCLOSURE DELIVER

Closing Disclosures can be issued at initial underwrite

• Allows for a faster process

CONVENTIONAL FIXED RATE

Comprised of some of the best long-term rates in the industry

• Loan amounts up to county loan limits
• Eligible for primary, second and investment homes
• Appraisal Waivers available
• Includes conventional and high balance
• Available on single family residences, townhomes, condos, PUDs, and multi-wide

CONVENTIONAL ARMS: 5, 7, AND 10 YEAR

Obtain even lower rate options with our 5, 7, and 10-year adjustable-rate mortgages

• Conventional 5, 7, and 10 year
• Conventional High Balance 5, 7, and 10 year
• Eligible for primary, second and investment homes
• Available for single family residences, townhomes, condos, PUDs, and multi-wide

MORTGAGE INSURANCE BUSTER

This product eliminates monthly mortgage insurance on loans with a higher LTV.

• Conventional 30-year fixed only; Flex Term not available
• Eligible for primary and second home purchases and rate/term refinances
• Loan-to-Value ratios between 80.01 and 89.99%
• High Balance available up to county loan limits

100% FINANACING

With a soft second that can be forgiven, you could receive free money!

• Up to county conforming loan limits
• 96.5% first loan and a 3.5% second loan
• With 36 on-time payments on fist loan, second loan will be forgiven
• Relaxed credit requirements
• First-time homebuyers welcomed

FIRST-TIME HOMEBUYER

Qualify with this 3% down payment solution.

• Purchases up to 97% Loan-to-Value ratio
• No county average median income restrictions
• Relaxed credit requirements
• At least one borrower must be a first-time homebuyer
• Eligible on single family residences, townhomes, condos, PUDs, and multi-wide

FANNIE MAY AND FREDDIE MAC

Conventional options for borrowers looking to purchase with a low-down payment or refinance with limited equity.

• Up to 97% Loan-to-Value ratio
• Reduced Mortgage Insurance
• High Balance available
• Gift funds eligible for entire down payment
• Eligible for single family residences, townhomes, condos, PUDs, 2-4 units, and multi-wide

INVESTMENT PROPERTIES

Qualify with only the property’s market or current rent.

• Elevated Loan-to-Value ratios
• Low rent coverage ratios
• Purchase and refinance
• Eligible for single family residences, townhomes, condos, PUDs, and 2-8 units

EASY DOC

Qualify by providing limited documentation.

• Only need written verification of employment or signed profit & loss
• Available for conventional, High Balance, and jumbo
• Eligible for single family residences, townhomes, condos, PUDs, and 2-4 units

STATED INCOME

Qualify without providing income documentation.

• Only need verbal verification of employment or CPA letter
• Available for conventional, High Balance, and jumbo
• Eligible for single family residences, townhomes, condos, PUDs, and 2-4 units

VA LOANS

Use your VA entitlement to qualify for 100% of your purchase price or streamline refinance your current VA loan.

• No down payment on purchases
• 100% Loan-to-Value available on cash-out refinances
• No mortgage insurance
• Relaxed credit requirements
• Sellers can pay up to 4% of closing costs
• With full entitlement available, no loan limits for up to what your income qualifies

JUMBO LOANS

Extremely competitive rates with high loan amounts.

• For loans above High Balance conforming county loan limits
• Elevated Loan-to-Value ratios available
• Streamline refinances available
• 30 & 15 year fix, 5/6, 7/5, and 10/6 hybrid arms
• First-time homebuyers welcomed
• Eligible for single family residences, townhomes, condos, PUDs, and 2-4 units