Choose from a wide spectrum of offerings.
We offer a comprehensive range of offerings for your clients.
- 97% loan-to-value (LTV) for conforming purchase or rate term refinance transactions; 100% of down payment and closing costs can be gifted by an acceptable donor (primary and single family homes, excluding high balance loans)
- HELOCS qualified based on existing balance and payment (per credit report)
- Choice of low down payment FHA or conventional conforming loans for existing manufactured homes
- 620 minimum credit score for conforming loans, with Desktop Underwriting (DU) approval eligibility
- 580 FHA Credit Score
- Odd year loan terms from 10-30 years, with annual amortization on conforming loans
- Lock-in periods up to 90 days
- Same-day pricing for product switch
- Delivery of credit and closing file by expiration date with trailing original note
- Construction-To-Permanent (CP) loans using appraised value regardless of the length of time the borrower has been on title.
Notes: Delisted property must be canceled prior to note date. Use original rate sheet for same-day pricing for product switch. For cash-out transaction, the borrower must be on title at least six months.
- Freddie Mac-only product with minimal overlays (reference product guides)
- Fannie Mae product allows up to 10 financed properties when the subject property is a second home or investment property; no maximum if a primary residence
- Quick service with Turn Times available online
- LPMI and ditech PMI with no annual or monthly premiums on closing disclosure
- No maximum DTI on conforming loans with DU approval or LP accept (LP Freddie only)
- Property Inspection Waiver (PIW) permitted on eligible transactions (FNMA only)
- Texas HELOCS and cash-out refinancing
- Conforming ARMs (5/1, 7/1, 10/1) and shorter term fixed-rate
- DU Refi Plus (Non Same Servicer), 150% LTV max unlimited CLTV with 16-30 year amortization
- DU Refi Plus (ditech to ditech) unlimited LTV and CLTV
- Option to use your own Appraisal Management Company (AMC) with our competitive, fixed rate jumbo products.
To learn more, call today:
1-877-700-4622, option 9
This information is for mortgage professionals only and is not for distribution to the general public or for use in any solicitation or ad in any manner whatsoever.
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