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Loan Products

Learn more about our products

FHA

  • 600 Minimum FICO

  • Refer/Eligible Manual UW OK

  • W-2 Paystub only

  • No tradelines with AUS Approve/Eligible

  • Primary borrowers with 1 FICO OK

  • Non FICO Co-Borrowers OK

  • Manufactured Homes

  • Cash-Out Refis to 80% LTV

  • Non-owner streamlines OK

USDA

  • 580 Minimum FICO

  • Manufactured Homes

  • Max LTV/CLTV 100%*

  • Manual UW OK

  • No DTI overlay on GUS approve/eligible

  • 24/41 Max DTI manual underwrites

  • Purchase or R/T Refi**

  • *CLTV can exceed 100% to include the financed guarantee fee
    **R/T Refis of existing GRH loans only

VA

  • 580 Minimum FICO

  • Cash-Out Refi to $1 Million

  • Refer/Eligible Manual UW OK

  • W2 & Paystube Only

  • No DTI cap with AUS

  • IRRRLs: No AVM / No Appraisal

  • IRRRLs: N/O/O OK

  • Manufactured Homes OK

CONVENTIONAL

  • 620 Minimum FICO

  • Premier Conv. extremely competitive rates

  • 1 Yr tax returns self-employed w/ AUS OK

  • 97% LTV w/ 620 FICO

  • High Balance to 95% LTV w/ 620 FICO

  • W-2 & Paystub only

  • N/O/O – No landlord history required

  • Up to 10 financed properties

  • Manufactured Homes

  • 100% Gift Funds OK

  • 85% LTV on N/O/O purchases

  • Appraisal/PIW/Drive by Appraisals OK

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