Residential Mortgages

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Domestic
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Programs

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CONVENTIONAL MORTGAGES

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Foreign National Loan

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GOVERNMENT

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INSTITUTIONAL OR PRIVATE MORTGAGES

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OTHER PROGRAMS

Conventional

Conventional loans are not insured by the FHA or VA. Generally, these are a good option for homebuyers with higher credit scores and stable employment histories.

Relief Refinance

A Relief Refinance is designed to help you make your existing mortgage more affordable.

HomeOneSM

If you’re dreaming of home ownership but still saving for a down payment, you may be able to buy now with a HomeOneSM mortgage. It only requires a 3% down payment, and you’re not limited to a traditional residence.

HomeStyle® Renovation

A HomeStyle Renovation Mortgage allows renovation funding equal or up to 50% of your property’s post-renovation value and is available for new and existing homes – even new construction!

Home Possible®

Home Possible® is a Freddie Mac loan program designed to bring home ownership within reach to more borrowers.

HomeReady™

HomeReady™ is a Fannie Mae loan program that is designed to extend the privileges of home ownership to buyers with limited household incomes.

DU Refi Plus

DU Refi Plus is a Fannie Mae refinancing program that enables buyers to take advantage of lower interest rates while choosing a custom loan term.

Jumbo Loans

Jumbo loans are just that –larger amounts of funds for luxury properties and homes in high-cost areas.

Jumbo Interest-Only ARM

Our Jumbo Interest-Only ARM is ideal for homebuyers who prefer a lower monthly payment during their first years of their loan.

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Looking to purchase in the US but not a US citizen?
Products available for second homes or investment.

  • Purchase and refinance available
  • No SSN or ITIN required
  • Non-us credit accepted
  • Self-employed: Minimum 2 years verified by CPA in country of origin with income verification
  • No tax returns required
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FHA Loans – Fixed-rate and ARMs, high-balance

An FHA loan is partially insured by the Federal Housing Administration (FHA), an agency created in 1934 to help borrowers and businesses recover from the Great Depression.

FHA 203(k) Fixed Rate Rehab

An FHA 203(k) Rehab loan enables you to buy a home that’s in need of repairs or renovations by providing additional funding before move-in.

FHA Streamline Refinance

If you currently have an FHA mortgage, an FHA Streamline Refinance offers several options.

USDA Loans

Designed for homebuyers in rural locations who do not qualify for a conventional loan. They feature low down payments and relaxed qualifying guidelines. Properties must be in a rural area designated by the US Department of Agriculture.

VA Streamline Refinance (IRRRL)

A VA Streamline Refinance, or IRRRL, provides you with a faster way to lower or lock in your interest rate with limited costs.

VA Loans – Fixed-rate and ARMs, high-balance

VA loans are partially insured by the U.S. Department of Veterans Affairs (VA) and are a valuable benefit for military veterans and active servicemen and women.

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  • Non-Owner Occupied Only
  • Purchase, Refinance, Cash Out, Rehab
  • 50 – 80% LTV
  • $300K to $100Million
  • Single Family, Condos
  • Interest Only Payments
  • Stated Income
  • Stated Assets
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Non-Prime Wholesale

Up to 90% LTV

No Seasoning on Major Credit Events

Loan amounts to $5 million

Credit Scores Down to 500

Maggi Plus

90% LTV 2 yrs from major credit event

Interest Only Payments

No Prepayment Penalties

30-year amortizations

Outside Dodd-Frank®

No Income Verification

Non-OOC, Business Purpose, Cross-Collateral

Foreign National Programs

1 – 4 Unit Properties

Bank Statement Mortgages

Have a self-employed client who has had difficulty obtaining a mortgage?

  • No Tax Returns Required
  • Personal Bank Statement qualified based on 12 or 24 month average monthly deposits**
  • Business Bank Statement qualified based on 12 or 24 month average monthly deposits**
  • Loans to $3 Million
  • Interest Only Available*
  • 2 Years Seasoning for foreclosure, short sale, bankruptcy, deed In lieu
  • Owner-Occcupied, 2nd homes, investment properties allowed
  • Non-warrantable condos considered
  • Gift funds allowed
  • No pre-pay penalty for owner-occupied and/or 2nd homes
  • SFRs, town homes, condos, 2-4 units

Investor Cash Flow

Attention real estate investors – Are you looking to expand or build your real estate portfolio?

Our investor cash flow program was created to serve your real estate investment goals.

  • Loans to $1.5 million
  • No personal income used to qualify
  • Qualification based on property cash flow
  • 2 years seasoning, foreclosure, short sales, or bankruptcy, deed in lieu
  • No tax returns required
  • Interest Only Option†
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