Conforming Loan Products

• FHA (Federal Housing Administration)
• VA (Veterans Affairs)
• USDA (US Department of Agriculture)
• Reverse Mortgage
• Conventional (Fannie Mae & Freddie Mac)
• Fannie Mae Home Ready
• Freddie Mac Home Possible
• Freddie Mac (Home One/ Home Smart)
• Prime Jumbo/ High Balance
• Refinances- Cash Out/ Rate & Term
• Refinances- Streamline (FHA/ USDA/IRRRL) (VA)
• HELOC (Home Equity Line of Credit)
• Stand Alone 2nd Mortgage
• New Construction

Non- Conforming Loan Products

• 12/24 Months Bank Statements
• Jumbo (Prime & Super Prime)
• 1 Y + 2 Y CPA/ Tax Consultant P&L
• WVOE/ Asset Utilization
• DSCR (Investor Flex- No Ratio)
• Full Doc/ Alt Doc
• Bridge Program/ 1099
• Non-Permanent Resident
• ITIN (Individual Taxpayer ID Number)
• Foreign National
• Conventional Consumer- No Ratio
• Second Chance- 1 day out of BK/ FC
• Hard Money/ Asset & Equity Based
• New Construction

Note 1: Conforming Loans include 1-4 Units, Townhomes, Villas, Approved condominiums and Manufactured Homes.

Note 2: Non-Conforming Loans include 1-4 Units, Townhomes, Villas, Approved Condominiums, Non-Warrantable Condominiums and Manufactured Homes. Also considered are Condotel, Modular, Rural Acreage with Structure and Large Vacant Land.