Our Mortgage Products

Conforming

Conventional Fannie Mae and Freddie Mac

– Up to 80% LTV for cash-out

– Up to 85% LTV for Purchase and Rate and term for 2 units

– 100% of down payment and closing costs may be gifted

Federal Housing Administration (FHA)

– Ideal for First time home Buyers

– FICO’s from 600 for cash-outt

– DTI subject to AUS findings

– 1-4 units

Veterans Administration (VA)

– Active Duty, Retired and Reserves

– FICO’s from 700 for Purchases, $1M to $1.5M up to 100% LTV/CLTV

– 55% DTI for Min 620 FICOs up to 100% LTV/CTV

– Cash-out up to 90% LTV up to $1.5M.

Jumbo

– Bigger Loan Amounts for Your Dream Home

– Primary and Second Homes

– Purchase up to 90% LTV

– Refinanace up to 80% LTV

– Reserves May Be Required

Home Equity Line of Credit (HELOC)

– Get the Credit you need

– Flexible Term Options

– 10 year draw, 20 year repayment period

– Cash-out or Line of Credit

First Time Home Buyer

– Down Payment Assitance

– Local and National Programs available

– FICOs from 620

– Closing Costs Assistance

– Forgivable Grant Programs avaialble