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programs

Conventional
Standard

FICO per AUS

Up To 97% CLTV

Excellent program with flexibility such as rate buydowns and cancellable mortgage insurance

  • Loan amounts up to $832,750
  • DTI as per AUS
  • Minimum downpayment 3%
View Matrix

Conventional
High Balance

FICO per AUS

Up To 97% CLTV

Qualify homebuyers seeking properties exceeding the standard limits

  • Loan amounts up to $1,249,125 per county
  • DTI as per AUS
  • All occupancy types
View Matrix

Freddie Mac
Home Possible

FICO per AUS

Up To 97% CLTV

An affordable mortgage option for low-to-moderate income individuals

  • Loan amounts up to $832,750
  • DTI as per AUS
  • Cancelable MI
View Matrix

Fannie Mae
HomeReady

FICO per AUS

Up To 97% CLTV

The perfect fit for borrowers with limited down payment capabilities

  • Loan amounts up to $832,750
  • DTI as per AUS
  • Primary residence
View Matrix

FHA
Standard

Min. FICO 580

Up To 97.75% CLTV

Flexible financing for buyers with lower credit and minimal down payment

  • Loan amounts up to $524,225
  • DTI as per AUS
  • LTV up to 97.75%
View Matrix

FHA
High Balance

Min. FICO 580

Up To 97.75% CLTV

FHA financing for high-cost areas with expanded loan limits

  • Loan amounts up to $1,209,750
  • DTI as per AUS
  • Primary residence and second home
View Matrix

FHA
Streamline Refinance

Min. FICO 580

Simplified refinance for existing FHA borrowers with minimal documentation

  • Min. 6 payments on current FHA loan
  • Primary residence
  • No appraisal for stick-built properties
View Matrix

FHA
Portfolio

FICO per AUS

Up To 97% CLTV

Flexible FHA alternative with expanded underwriting options

  • Loan amounts up to $832,750
  • DTI as per AUS
  • Low down payment options
View Matrix

VA
Standard

FICO per AUS

Up To 100% CLTV

Exclusive financing for eligible veterans and active-duty service members

  • Loan amounts up to $2,000,000
  • Gift funds are allowed
  • No down payment required
View Matrix

VA
High Balance

FICO per AUS

Up To 97% CLTV

VA financing for high-cost areas with increased loan limits

  • Loan limits vary by county and state
  • DTI as per AUS
  • No down payment required
View Matrix

VA
IRRRL

FICO per AUS

Up To 110% CLTV

Fast and simplified refinance for existing VA borrowers

  • Loan amounts up to $1,500,000
  • No appraisal or credit underwriting required
  • All occupancy types
View Matrix

VA
Portfolio

FICO per AUS

Up To 100% CLTV

Flexible VA alternative with expanded underwriting options

  • Loan amounts up to $2,000,000
  • Flexible credit & income guidelines
  • No payment options
View Matrix

USDA
Standard

FICO per AUS

Up To 100% CLTV

100% financing option for eligible rural and suburban homebuyers

  • No down payment required
  • Income limits apply
  • Eligible rural and suburban areas
View Matrix

Lite Doc
Owner Occupied

Min. FICO 620

Up To 90% LTV

Up To 50% DTI

Max $4,000,000

A perfect fit for self-employed borrowers

Primary residence and second home only

  • Asset depletion (6 Month)
  • 12/24 Month Personal & Business bank statement
  • 1 Year P&L prepared by CPA,
    CTEC or EA
View Matrix

Lite Doc
Non-Owner Occupied

Min. FICO 660

Up To 85% LTV

Up To 50% DTI

Max $3,500,000

A perfect fit for self-employed borrowers

Investement only

  • Asset depletion (6 Month)
  • 12/24 Month Personal & Business bank statement
  • 1 Year P&L prepared by CPA,
    CTEC or EA
View Matrix

Expanded
Prime

Min. FICO 660

Up To 90% LTV

Up To 55% DTI

Max $3,500,000

A flexible solution for borrowers with strong assets and non-traditional income

  • Full doc (W2 / Tax Return / Asset Depletion)
  • 12/24 Month bank statement
  • 1 Year P&L prepared by CPA,
    CTEC or EA
  • WVOE
View Matrix

Prime

Min. FICO 620

Up To 85% LTV

Up To 50% DTI

Max $3,500,000

Ideal for borrowers with solid credit seeking higher LTV and flexible income documentation

  • Full doc (W2 / Tax Return)
  • 12/24 Month bank statement
  • 1099 or asset-based income
View Matrix

Expanded
Prime DSCR

Min. FICO 660

Up To 80% CLTV

Max $2,000,000

Maximum flexibility with no DSCR ratio options available

  • No DSCR ratio available (with restrictions)
  • Flexible credit & income qualification
View Matrix

Investor
Solution DSCR

Min. FICO 640

Up To 80% CLTV

Max $3,500,000

Designed for real estate investors using property cash flow, with higher loan limits making it ideal for borrowers who need larger loan amounts

  • Qualify using rental income (DSCR)
  • Interest-only options available
View Matrix

Elite Alt Doc

Min. FICO 660

Up To 80% CLTV

Up To 50% DTI

Max $3,500,000

Flexible program designed for both self-employed and salaried borrowers, with no business license required and income verified through CPA-prepared P&L or WVOE

  • 1 Year P&L Prepared by CPA,
    CTEC or EA
  • WVOE
View Matrix

DU VOE

Min. FICO 660

Up To 80% CLTV

Up To 50% DTI

Max $3,000,000

Streamlined program offering flexible options with income verified through written verification of employment (WVOE)                                                                                           

  • WVOE
View Matrix

Alt Doc

Min. FICO 680

Up To 75% CLTV

Up To 43% DTI

Max $4,000,000

Flexible program for both self-employed and salaried borrowers, featuring higher loan limits and multiple income documentation options such as bank statements, P&L, or WVOE

  • 3 Month Personal Bank Statement
  • 6 Month Business Bank Statement
  • YTD P&L or WVOE
View Matrix

CRA Alt Doc

Min. FICO 680

Up To 80% CLTV

Up To 50% DTI

Max $1,500,000

Flexible program for both self-employed and salaried borrowers, with income verified through YTD P&L or WVOE

  • YTD P&L
  • WVOE
View Matrix

Easy Doc

Min. FICO 680

Up To 75% CLTV

Up To 43% DTI

Max $5,000,000

Flexible program for both self-employed and salaried borrowers, featuring higher loan limits with income verified through self-prepared P&L or WVOE

  • 2 Years Self-Prepared P&L
  • WVOE
View Matrix

True Stated

Min. FICO 680

Up To 75% CLTV

Up To 43% DTI

Max $4,000,000

Stated income program with no income documentation required—borrowers qualify based solely on income stated on the 1003

  • 2 Years of Business License
  • VVOE (Verbal)
View Matrix

Prime
Jumbo Express

Min. FICO 660

Up To 89.99% CLTV

Up To 50% DTI

Max $3,500,000

Excellent program with flexibility such as rate buydowns and cancellable mortgage insurance

  • Loan amounts up to $832,750
  • DTI as per AUS
  • Minimum downpayment 3%
View Matrix

Optimal
Jumbo

Min. FICO 740

Up To 80% CLTV

Up To 43% DTI

Max $3,000,000

Excellent program with flexibility such as rate buydowns and cancellable mortgage insurance

  • Loan amounts up to $832,750
  • DTI as per AUS
  • Minimum downpayment 3%
View Matrix

Deluxe
Jumbo

Min. FICO 720

Up To 80% CLTV

Up To 43% DTI

Max $3,000,000

Excellent program with flexibility such as rate buydowns and cancellable mortgage insurance

  • Loan amounts up to $832,750
  • DTI as per AUS
  • Minimum downpayment 3%
View Matrix

HELOC
Plus

FICO per AUS

Up To 97% CLTV

Excellent program with flexibility such as rate buydowns and cancellable mortgage insurance

  • Loan amounts up to $832,750
  • DTI as per AUS
  • Minimum downpayment 3%
View Matrix

Equity Solutions
Closed-End Second
Owner Occupied

FICO per AUS

Up To 97% CLTV

Qualify homebuyers seeking properties exceeding the standard limits

  • Loan amounts up to $1,249,125 per county
  • DTI as per AUS
  • All occupancy types
View Matrix

Equity Solutions
Closed-End Second
Non Owner Occupied

FICO per AUS

Up To 97% CLTV

Qualify homebuyers seeking properties exceeding the standard limits

  • Loan amounts up to $1,249,125 per county
  • DTI as per AUS
  • All occupancy types
View Matrix

Testimonials

What Our Clients Say About Us

We have built a strong and trusted customer base for our mortgage services, and we are proud to consistently receive outstanding     5-star feedback from our clients.