Programs

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Conventional / Conforming

  • Agency Fixed Rate & ARM’s – FNMA & FHLMC
  • Agency NO MI – FNMA & FHLMC
  • Agency High Balance* – FNMA & FHLMC
    *maximum loan amounts based on county limits established by the Agencies:  https://entp.hud.gov/idapp/html/hicostlook.cfm

Jumbo

  • Purchases & R/T refi’s up to $1,500,000 @ 90% LTV/CLTV
  • Credit scores as low as 661 FICO’s
  • DTI’s allowed up to 43%
  • Loan amounts up to $2,500,000
  • Refinances allow up to $750,000 cash-out

FHA

VA

  • VA Standard Balance (up to $453,100)
  • VA High Balance
  • VA IRRRL’s – Standard & High Balance

USDA

  • No Down Payment needed (100% LTV)
  • Large acreage allowed
  • Rural areas only

Non-QM

  • Bank Statement Income Qualifying allowed
  • Recent Derogatory Credit Events allowed
  • Loan amounts up to $2,000,000

Renovation

  • FHA 203(k) – Standard & Limited
  • FNMA HomeStyle Renovation