Products

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

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

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

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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