Conventional Loan Products

The obvious choice for our top-tier borrowers! Comprised of some of the best conventional rates and pricing in the industry, Elite program allows you to close quickly in 19 days or less.

  • 620+ FICO, up to 95% LTV
  • Loan amounts up to county loan limits
  • Eligible for primary, second and investment homes
  • Appraisal Waivers honored
  • Includes conventional and high balance
  • Available on single – and multi-units properties, condominiums, and PUDs
  • Close most loans in 19 days or less

Elite mortgage insurance combines the cheapest lender-paid mortgage insurance in the industry with some of the lowest monthly borrower-paid insurance options, which means you only have to go one place to have access to a lower mortgage payment.

  • Instant mortgage insurance quote saves 3-7 days on the loan process
  • Transparent underwriting
  • Starts at 640 FICO
  • Close most loans in 19 days or less by triggering the CD at initial underwrite

Customize the perfect loan for your needs without resetting the mortgage clock! Flex Term provides flexible options and the ability to select the amortization term.

  • Available on conventional, FHA and VA loan products
  • Terms available from 8–30 years

Time is of the essence with every transaction. With the conforming loan limit of $647,200 you have access to the most competitive rates and can close your purchase or refinance high balance loan in record time!

  • Loan amounts from $647,200 up to county loan limit
  • LTV’s as high as 90%
  • 640+ FICO
  • Close most loans in 19 days or less

Elite High Balance offers some of the best conventional high balance rates and pricing for our top-tier clients. You will receive industry-leading turn times and award-winning technology with every loan.

  • 700+ FICO
  • Up to 80% LTV
  • Loan amounts from $647,200 up to county loan limits
  • Appraisal Waivers honored
  • Includes convention and high balance
  • Close most loans in 19 days or less

We will give you even lower rate options with our 5-, 7- and 10-year adjustable-rate mortgages

  • Conventional Elite 5, 7, and 10 year
    • 700+ FICO, up to 80% LTV
    • Primary, second, and investment properties on purchase, rate/term and cash out refinance
    • $125,000 minimum loan amount
  • Conventional 5, 7, and 10 year
    • 640+ FICO, up to 95% LTV
    • Primary, second, investment, purchase, rate/term and cash out refinance
  • Conventional Elite High Balance 5, 7, and 10 year
    • 700+ FICO, up to 80% LTV
    • Primary, second, and investment properties on purchase, rate/term and cash out refinance
    • Loan amounts from $647,200 up to county loan limit
  • Conventional High Balance 5, 7, and 10 year
    • 640+ FICO, up to 95% LTV
    • Primary, second, investment properties on purchase, rate/term refinance and cash out refinance
    • Loan amounts from $647,200 up to county loan limit

Mi Buster allows you to eliminate monthly mortgage insurance on loans with a higher LTV.

  • Conventional 30-year fixed only; Flex Term not available
  • Available for primary and second home purchases and rate/term refinances
  • LTV between 80.01 and 89.99%
  • Up to 45% debt-to-income ratio
  • 680+ FICO
  • Loan amounts starting at $200,000
  • MI Buster High Balance available for loan amounts over the county loan limits

The obvious choice for our top-tier borrowers! Comprised of some of the best conventional rates and pricing in the industry, Elite program allows you to close quickly in 19 days or less.

  • 620+ FICO, up to 95% LTV
  • Loan amounts up to county loan limits
  • Eligible for primary, second and investment homes
  • Appraisal Waivers honored
  • Includes conventional and high balance
  • Available on single – and multi-units properties, condominiums, and PUDs
  • Close most loans in 19 days or less

Elite mortgage insurance combines the cheapest lender-paid mortgage insurance in the industry with some of the lowest monthly borrower-paid insurance options, which means you only have to go one place to have access to a lower mortgage payment.

  • Instant mortgage insurance quote saves 3-7 days on the loan process
  • Transparent underwriting
  • Starts at 640 FICO
  • Close most loans in 19 days or less by triggering the CD at initial underwrite

Customize the perfect loan for your needs without resetting the mortgage clock! Flex Term provides flexible options and the ability to select the amortization term.

  • Available on conventional, FHA and VA loan products
  • Terms available from 8–30 years

Time is of the essence with every transaction. With the conforming loan limit of $647,200 you have access to the most competitive rates and can close your purchase or refinance high balance loan in record time!

  • Loan amounts from $647,200 up to county loan limit
  • LTV’s as high as 90%
  • 640+ FICO
  • Close most loans in 19 days or less

Elite High Balance offers some of the best conventional high balance rates and pricing for our top-tier clients. You will receive industry-leading turn times and award-winning technology with every loan.

  • 700+ FICO
  • Up to 80% LTV
  • Loan amounts from $647,200 up to county loan limits
  • Appraisal Waivers honored
  • Includes convention and high balance
  • Close most loans in 19 days or less

We will give you even lower rate options with our 5-, 7- and 10-year adjustable-rate mortgages

  • Conventional Elite 5, 7, and 10 year
    • 700+ FICO, up to 80% LTV
    • Primary, second, and investment properties on purchase, rate/term and cash out refinance
    • $125,000 minimum loan amount
  • Conventional 5, 7, and 10 year
    • 640+ FICO, up to 95% LTV
    • Primary, second, investment, purchase, rate/term and cash out refinance
  • Conventional Elite High Balance 5, 7, and 10 year
    • 700+ FICO, up to 80% LTV
    • Primary, second, and investment properties on purchase, rate/term and cash out refinance
    • Loan amounts from $647,200 up to county loan limit
  • Conventional High Balance 5, 7, and 10 year
    • 640+ FICO, up to 95% LTV
    • Primary, second, investment properties on purchase, rate/term refinance and cash out refinance
    • Loan amounts from $647,200 up to county loan limit

Mi Buster allows you to eliminate monthly mortgage insurance on loans with a higher LTV.

  • Conventional 30-year fixed only; Flex Term not available
  • Available for primary and second home purchases and rate/term refinances
  • LTV between 80.01 and 89.99%
  • Up to 45% debt-to-income ratio
  • 680+ FICO
  • Loan amounts starting at $200,000
  • MI Buster High Balance available for loan amounts over the county loan limits

FHA AND VA Loan Products

We take FHA borrowers to a new level with industry-leading government rates and pricing. This is the obvious choice for top-tier clients.

  • 640+ FICO
  • Loan amounts from $125,000 up to county loan limits
  • All fixed term mortgages
  • Single family primary residences
  • Available on single – and multi-units properties, condominiums, and PUDs

FHA Streamline program allows us to refinance our FHA borrowers with no appraisal or AVM. Time is of the essence so stop the shop and use our quick closing process to secure your refinance.

  • 620+ FICO
  • Up to 60 days interest allowed
  • Available on single – and multi-units properties, condominiums, and PUDs

We will WOW our real estate partners and clients with speed and confidence. We can close HUD REOs in as fast as two weeks from initial submission while allowing holdbacks up to $10,000 for escrow repairs.

Serve those who have bravely served in the Armed Forces – WE THANK YOU FOR YOUR SERVICE!

  • Loans up to $2M
  • 620+ FICO Up to 100% LTV
  • Fixed term only
  • Single family primary residence
  • Purchase & cash-out refinance
  • Available on single – and multi-unites properties, condominiums, and PUDs
  • Escrow waivers up to 100% LTV

For VA borrowers with higher FICO scores, offer industry-leading government rates and pricing.

  • Loan amounts from $125,000 up to county loan limits
  • Jumbo loan option starting from $1 over the county loan limit up to $2M
  • 620+ FICO Up to 100% LTV
  • Fixed term only
  • Single family primary residence
  • Purchase & cash-out refinance
  • Available on single- and multi-wide, condos and PUDs
  • Escrow waivers up to 100% LTV

Allows our VA borrowers to take advantage of their VA benefits by streamlining their current VA loan into a lower interest rate.

  • Conventional Elite 5, 7, anUnlimited LTV
  • Loans up to $2M
  • No appraisal required
  • Fast closings, often less than 18 days
  • Primary, second and investment properties eligible

We take FHA borrowers to a new level with industry-leading government rates and pricing. This is the obvious choice for top-tier clients.

  • 640+ FICO
  • Loan amounts from $125,000 up to county loan limits
  • All fixed term mortgages
  • Single family primary residences
  • Available on single – and multi-units properties, condominiums, and PUDs

FHA Streamline program allows us to refinance our FHA borrowers with no appraisal or AVM. Time is of the essence so stop the shop and use our quick closing process to secure your refinance.

  • 620+ FICO
  • Up to 60 days interest allowed
  • Available on single – and multi-units properties, condominiums, and PUDs

We will WOW our real estate partners and clients with speed and confidence. We can close HUD REOs in as fast as two weeks from initial submission while allowing holdbacks up to $10,000 for escrow repairs.

Serve those who have bravely served in the Armed Forces – WE THANK YOU FOR YOUR SERVICE!

  • Loans up to $2M
  • 620+ FICO Up to 100% LTV
  • Fixed term only
  • Single family primary residence
  • Purchase & cash-out refinance
  • Available on single – and multi-unites properties, condominiums, and PUDs
  • Escrow waivers up to 100% LTV

For VA borrowers with higher FICO scores, offer industry-leading government rates and pricing.

  • Loan amounts from $125,000 up to county loan limits
  • Jumbo loan option starting from $1 over the county loan limit up to $2M
  • 620+ FICO Up to 100% LTV
  • Fixed term only
  • Single family primary residence
  • Purchase & cash-out refinance
  • Available on single- and multi-wide, condos and PUDs
  • Escrow waivers up to 100% LTV

Allows our VA borrowers to take advantage of their VA benefits by streamlining their current VA loan into a lower interest rate.

  • Conventional Elite 5, 7, anUnlimited LTV
  • Loans up to $2M
  • No appraisal required
  • Fast closings, often less than 18 days
  • Primary, second and investment properties eligible

JUMBO Loan Products

  • Loan amounts up to $3M
  • 680+ FICO and up to 45% DTI
  • Up to 89.99% LTV and no mortgage insurance required
  • Eligible on primary, second and investment properties for purchases, rate/term and cash-out refinances
  • One appraisal required for purchases up to $3M and refinances up to $2M
  • Loan amounts up to $3M
  • 680+ FICO and up to 45% DTI
  • Up to 80% LTV
  • Eligible on primary, second and investment properties for purchases, rate/term and cash-out refinances
  • One appraisal required for purchase up to $3M and refinances up to $2M
  • Loan amounts up to $3M
  • 700+ FICO and up to 43% DTI
  • Up to 80% LTV
  • 10-year interest only, 20-year amortization period
  • Eligible for primary and second homes for purchases and rate/term refinances
  • One appraisal required for purchases up to $3M and refinances up to $2M
  • Loans up to 80% LTV
    • Loan amounts up to $2.5M
    • 700+ FICO and up to 43% debt-to-income ratio
    • Eligible for primary and second homes for purchases and rate/term and cash-out refinances
    • One appraisal required for loans up to $2M
    • For second home cash out loans between $1.501-$2M – 18 months reserves required (up to $500,000 cash back)
  • Loans with an LTV between 80.01-96.5%
    • Loan amounts up to $1.5M
    • 720+ FICO and up to 40% DTI
    • Eligible for primary purchases and rate/term refinances
    • One appraisal required for loans up to $1M
    • Two appraisals from two different appraisers required for loans over $1M
    • For primary purchase loans up to $1.5M – 24 months reserves required

We now offer Bank Statement loans, allowing our qualified self-employed borrowers to provide their personal or business bank statements, instead of tax returns, to qualify for a loan up to $3M. Bank Statement loans enable our borrowers to go up to 90% loan-to-value ration with no mortgage insurance required, allowing them to keep their monthly payments lower.

  • Loan amounts up to $3M
  • Loan-to-value ratio up to 90%
  • No tax returns required
  • No mortgage insurance required

Investor Flex is our Debt-Service Coverage Ration (DSCR) loan option for our real estate investor borrowers.

With loans up to $2M, Investor Flex offers purchase and refinance options on investment properties by using the market rent of the property rather than the current income to qualify. It’s a fast and easy way to help you expand your real estate portfolio!

With HELOC, you’re borrowing against the available equity in your home and the house is used as collateral for the line of credit. As you repay your outstanding balance, the amount of available credit is replenished – much like a credit card!

  • Loan amounts up to $3M
  • 680+ FICO and up to 45% DTI
  • Up to 89.99% LTV and no mortgage insurance required
  • Eligible on primary, second and investment properties for purchases, rate/term and cash-out refinances
  • One appraisal required for purchases up to $3M and refinances up to $2M
  • Loan amounts up to $3M
  • 680+ FICO and up to 45% DTI
  • Up to 80% LTV
  • Eligible on primary, second and investment properties for purchases, rate/term and cash-out refinances
  • One appraisal required for purchase up to $3M and refinances up to $2M
  • Loan amounts up to $3M
  • 700+ FICO and up to 43% DTI
  • Up to 80% LTV
  • 10-year interest only, 20-year amortization period
  • Eligible for primary and second homes for purchases and rate/term refinances
  • One appraisal required for purchases up to $3M and refinances up to $2M
  • Loans up to 80% LTV
    • Loan amounts up to $2.5M
    • 700+ FICO and up to 43% debt-to-income ratio
    • Eligible for primary and second homes for purchases and rate/term and cash-out refinances
    • One appraisal required for loans up to $2M
    • For second home cash out loans between $1.501-$2M – 18 months reserves required (up to $500,000 cash back)
  • Loans with an LTV between 80.01-96.5%
    • Loan amounts up to $1.5M
    • 720+ FICO and up to 40% DTI
    • Eligible for primary purchases and rate/term refinances
    • One appraisal required for loans up to $1M
    • Two appraisals from two different appraisers required for loans over $1M
    • For primary purchase loans up to $1.5M – 24 months reserves required

We now offer Bank Statement loans, allowing our qualified self-employed borrowers to provide their personal or business bank statements, instead of tax returns, to qualify for a loan up to $3M. Bank Statement loans enable our borrowers to go up to 90% loan-to-value ration with no mortgage insurance required, allowing them to keep their monthly payments lower.

  • Loan amounts up to $3M
  • Loan-to-value ratio up to 90%
  • No tax returns required
  • No mortgage insurance required

Investor Flex is our Debt-Service Coverage Ration (DSCR) loan option for our real estate investor borrowers.

With loans up to $2M, Investor Flex offers purchase and refinance options on investment properties by using the market rent of the property rather than the current income to qualify. It’s a fast and easy way to help you expand your real estate portfolio!

With HELOC, you’re borrowing against the available equity in your home and the house is used as collateral for the line of credit. As you repay your outstanding balance, the amount of available credit is replenished – much like a credit card!

Small-Balance Commercial Loans

A Flexible Way to Mortgage.

Tired of bank turndowns for your clients? Help small-business owners secure funding with alternative solutions that make more sense with their mortgage needs.

With rates starting at 5%, your best credit-worthy investors can lock in the lowest rate possible without going to a traditional bank.

Expand your product offering with a No Doc option designed for borrowers who are not able to disclose tax return documentation.

Borrowers who require more flexibility than a bank is willing to provide can choose to forgo tax returns and instead present bank statements to qualify for a loan.

Reduced fees and no lender points, this program makes it easier to reach single family rental/2-4-unit investors and grow this segment of your non-bank business.

With rates starting at 5%, your best credit-worthy investors can lock in the lowest rate possible without going to a traditional bank.

Expand your product offering with a No Doc option designed for borrowers who are not able to disclose tax return documentation.

Borrowers who require more flexibility than a bank is willing to provide can choose to forgo tax returns and instead present bank statements to qualify for a loan.

Reduced fees and no lender points, this program makes it easier to reach single family rental/2-4-unit investors and grow this segment of your non-bank business.