Loan Programs

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.

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