Products

Better understand your options. We're here to help you choose wisely.

🏠  Conventional Loans
  • Minimum credit score is 620, but some options allow lower blended scores (as low as 560)
  • Debt-to-income (DTI) limits may not apply if you're approved through automated underwriting
  • You may be able to waive escrow accounts with 5% downpayment without rate penalties
  • Eligible for manufactured homes
  • Down payment assistance (DPA) programs available
🏡  FHA Loans
  • Minimum credit score of 580
  • Streamlined refinancing available with just one credit bureau pull
  • No max DTI if approved through automated underwriting
  • Manual underwriting allows up to 50% DTI
  • Eligible for manufactured homes
  • Spot condo approvals accepted
  • Down payment assistance (DPA) programs available
🇺🇸  VA Loans
  • Credit score starting at 580
  • No downpayment required
  • Veterans only
  • Joint applicants are allowed
  • Streamlined refinance (IRRRL) can use just one credit bureau
  • Manufactured homes are eligible
  • No DTI limit with automated approval
  • Manual review allows DTI up to 50%
🌾  USDA Loans
  • Minimum credit score of 620
  • No downpayment required
  • Rural properties only
  • Manual underwriting accepted
  • Manufactured homes are eligible
💰  Jumbo Loans
  • Minimum credit score of 660
  • Loan amounts up to $3 million
  • Up to 89.99% loan-to-value (LTV)
  • DTI up to 49.99%
  • Unlimited cash-out options available
  • Only one year of tax returns may be needed
  • Limited reviews for condos
🚀  Non-QM (Non-Qualified Mortgage)
  • Only 1 year of self-employment required
  • No income ratio needed for some loans (DSCR)
  • Bank statement or 1099 income accepted
  • P&L statements or VOE only options available
  • Foreign nationals and non-warrantable condos allowed
  • Condotel financing available
💳  HELOC (Home Equity Line of Credit)
  • Minimum credit score: 640
  • Interest-only payments for the first 10 years on ARM options
  • Fixed rate HELOCs also available
  • Use as a piggyback loan or on its own
🏦  HELOAN (Closed-End Second)
  • Minimum credit score: 640
  • Flexible terms: 10, 15, 20, 25, and 30 years
  • Available as a piggyback or standalone product
📉  No Credit Score
  • Options available with no credit score
  • Up to 90% financing on Conventional loans
  • 100% financing available for VA and USDA
  • 96.5% financing for FHA
  • Manual underwriting is used to assess your situation more holistically

Please note: All information on this page is provided for general informational purposes only and is subject to change at any time. While we strive to keep everything up to date and accurate, loan programs, terms, and eligibility may vary based on your unique situation. For the most current and personalized details, we recommend speaking with one of our licensed mortgage professionals.

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