Specialty Programs
THE ALL IN ONE
Want to pay off your home faster and maintain full access to your equity?
With this dynamic program, payments are applied to principal first, saving you thousands in interest over time. And all the while you maintain full access to your equity.
DREAM MAKER LOAN
Eligible for up to $4500 lender credits and below market rates. Eligibility based on designated geographical locations. Primary residences only.
LITE DOC PROGRAM
Reduced documentation and eligibility requirements. Only 1 year self-employment required. No tax returns. Up to 80% LTV. Primary, Second Home and Investment Properties.
NO RATIO LOAN
No income, no employment. Eligibility based on credit score and reserves. Up to 80% LTV. Primary and second homes only.
TEMPORARY BUYDOWNS
Conventional and Government Only. 3-2-1, 2-1, 1-1 and 1-0 options available.
Borrower pays lower initial interest rates for specified periods of time to reduce the initial mortgage payment before it steps up to standard levels.
CONSTRUCTION LOANS
One-Time Close (OTC) Construction available on Conventional, FHA, VA, and USDA
DSCR LOAN
Investor Cash Flow Loan. No income, no employment required. Qualify based on subject property rents only. Investment properties only.
SMALL BALANCE MULTIFAMLIY
Multifamily Residential Properties 5-24 units. Max 70% LTV on Purchase & Rate-Term Refinance. Max 65% Cash-Out. Up to $3M loan amount. Interest Only available.
BANK STATEMENT LOAN
Utilize bank statements to determine qualifying income. No tax returns needed.
ASSET DEPLETION
Utilization of assets to meet qualifying income requirements. Up to 90% LTV. Max loan amount $3.5M. Interest only eligible. Primary residence only.
DOWN PAYMENT ASSISTANCE
Initiatives offered by government agencies, nonprofits, or private entities to help homebuyers cover a portion of their down payment and closing costs.
National and State options available.
BRIDGE LOAN
Short-term, interim financing option that helps individuals bridge a financial gap, used to purchase a new property before selling an existing one.
JUMBO LOAN
Mortgage that exceeds the conforming loan limits, typically used to finance high-value homes and require stricter credit and income qualifications.
FOREIGN NATIONAL
Mortgages for individuals who are not U.S. citizens or permanent residents but wish to purchase property in the U.S.
ITIN LOAN
These programs aim to make homeownership more accessible to non-U.S. citizens or residents who may have unique immigration statuses and financial circumstances.
SECOND MORTGAGES
Home Equity Line of Credit (HELOC) and Home Equity Loan (HELOAN) available. Up to 95% CLTV. Piggyback and stand alone options.
BUSINESS PURPOSE LOAN
Qualify using rents (cash flow). Max 80% LTV Purchase. Condotels/Airbnb/Daily Rentals allowed. Can close in an LLC.
CONDOS
Warrantable and non-warrantable options as primary, second home and investment. Condotel options are eligible.
EXTENDED RATE LOCK
Lock a rate on a designated property for up to 360 days. Conventional conforming and government only. Float down included.
LOCK & SHOP
Relax and shop knowing your rate is locked for 90 days. Conventional conforming and government only.
REVERSE MORTGAGE
For homeowners typically aged 62 or older that allows them to convert a portion of their home equity into loan proceeds, which they can receive as regular payments or a lump sum.
DSCR LOAN
Investor Cash Flow Loan. No income, no employment required. Qualify based on subject property rents only. Investment properties only.