Our Loan Programs


Each borrower’s situation is unique and we are equipped to help with our expanded product selection! These products help borrowers like you achieve their homeownership or refinance goals. Where do you fit?

I want a conventional loan.

Conventional Loan Programs

  • 15, 20 and 30-year Fixed Rate options
  • Cash-out Refinance up to 80% LTV
  • As Low as 5% Down
  • Credit Scores as Low as 620 May Qualify
  • RefiNow™ and Refi Possible Programs Offered
  • HomeReady™ and HomePossible™ Programs Offered
    • Lower MI Options Available
    • As little as 3% down
    • Non-Occupant Co-borrower Allowed

My down payment
comes from
gift funds.

FHA Loan Programs

A flexible mortgage option to purchase or refinance your home with a small up-front investment.

  • Purchase with as little as 3.5% down
  • Refinance up to 97.5% LTV (for qualified borrowers)
  • Credit scores as low as 620 may qualify
  • FHA Streamline Program— May Not Require Appraisal or Income Documentation
  • 100% of Down Payment Can Come from Gift Funds

I am a US
Military Veteran.

VA Loan Programs

As a thank you for your service to our country, VA loans allow veterans with additional home financing options.

  • Purchase with as little as 0% down
  • Cash out up to 90% LTV
  • Mortgage Insurance (PMI) Not Required
  • VA IRRRL Program- May Not Require Appraisal or Income Documentation

I want to live in
a rural area.

USDA Loan Programs

  • Purchase with as little as 0% down
  • Credit scores as Low as 620 may qualify
  • Streamline Assist Refinance Loans Available - May Not Require Appraisal, Subject to Income Eligibility
    • Minimal Out of Pocket Closing Costs

I have a large
loan amount.

Jumbo Loan Programs

  • Loan amounts up to $3 million
  • Cash out up to $500,000
  • Credit scores down to 660
  • Purchase or refinance options available
  • 30-year fixed option available

I have a unique
situation.

Non-Agency Loan Programs

  • Ability to qualify using 12- or 24-month personal bank statements
  • Ability to qualify using 24-month business bank statements
  • Ability to use cash-flow from an investment property as well as income to qualify
  • Credit scores down to 620
  • Non-Warrantable Condos accepted
  • 30-year fixed and 10 year Interest Only options available
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