Begin your loan journey today!
Whether you are a first-time homebuyer or an experienced real estate investor, having a mortgage team you can count on is crucial.
Finding a great home loan involves careful consideration of your needs, finances, and history. We are here to guide you.
Mortgage refinancing can lower your monthly payments, which can add up to significant savings.
Become more attractive to sellers as a pre-qualified buyer.
FHA DPA up to 100% CLTV
Min FICO 580 - DU Approve/Eligible (no manual underwriting)
No First Time Home Buyer Requirement
Non-occupied Co-borrowers allowed per FHA guides
DTI - Follow AUS - Approved/Eligible
One borrower must complete HUD-approved counseling
96.5% Max LTV with 3.5% DPA (100% CLTV)
No Income Limits
• NO RESERVES REQUIRED
• Minimum 350 FICO
• Residential O/O Programs
o Gift Funds up to 90% LTV
o In NOD up to 70% LTV
o Regular Full-Doc - up to 90% LTV
o 12/mo Full-Doc up to 85% LTV
o ITIN borrower with Work VISA up to 90% LTV
o ITIN borrower without Work VISA up to 75% LTV
o Asset Depletion up to 80% LTV
o 24/mo Bank Stmnts up to 90% LTV (Max 85% with 12/mo Stmnts)
o 24/mo P&L Only up to 85% LTV
• Residential N/O/O - DSCR - up to 80% LTV
• Residential N/O/O - No DSCR & No Reserves - up to 80% LTV
• SFR is used as a Care Facility for 75% of LTV