Loan Products
Conventional Loans
Conventional Fixed
- Up to 95% financing
- Up to 80% LTV on cash-out
- Non-occupant co-borrower permitted
- Primary, second home, investment
- Single Family, 2-4 unit, PUD, condo, manufactured
Freddie Mac Home Possible
- 97% LTV,
- 1-4 unit, PUD, condo, Co-op, manufactured
- Gift funds acceptable
- Lower loan-level price adjustments
Fannie Mae HomeReady
- 97% LTV,
- 1-4 Unit, PUD, condo, Co-op, manufactured
- Gift funds acceptable
- Lower loan-level price adjustments
Fannie Mae HomeStyle Rehab Loan
- 95% LTV of the “as-completed” value
- 85% LTV on 1-unit investment, 90% on a 1-unit second home
- Owner-occupied 1-4 unit, PUD, condo, manufactured
- Luxury renovations, like pool or outdoor living area
- Streamlined program available for pool, pool decking, or fencing only
Freddie Mac CHOICERenovation
- 95% LTV of the “as-completed” value
- 85% LTV on 1-unit investment, 90% on a 1-unit second home
- Owner-occupied 1-4 unit, PUD, condo, manufactured
- Luxury renovations, like pool or outdoor living area
- Streamlined program available for pool, pool decking, or fencing only
FHA Loans
FHA Loan
- 560 min FICO
- Purchase, Rate/Term, cash-out, Streamline
- Attached/detached SFR, 2-4 unit, manufactured
- 2-1, 1-0 Seller paid buydown on fixed
FHA 203k Renovation
- 620 FICO
- Purchase or Refinance
- SFR, PUD, condo, 2-4 Unit, manufactured
- Update kitchen/bath, modernize, deferred maintenance
- Appraiser required repairs allowed
Jumbo Options
Jumbo 1
- Loan amounts to $3 million
- Up to 80% LTV
- Minimum FICO 680
- Primary, second home or investment property
- Purchase, Rate/Term, Cash-out
- Gift funds allowed and reduced reserve requirements
Jumbo 3
- Loan amounts from $832k - $2 million
- Primary residence - 1-unit SFR, PUD, Condo
- Purchase, Rate/Term, Cash-out
- Purchase and R/T to 80% LTV
- Reduced reserve requirements