CONVENTIONAL LOAN PRODUCTS

ELITE

The obvious choice for top-tier borrowers! Comprised of some of the best conventional rates and pricing in the industry, our Elite program allows you to close quickly.

  • 700+ FICO
  • Up to 80% LTV
  • Loan amounts from $200,000 up to County Loan Limits
  • Appraisal Waivers honored
  • Underwrite to AUS findings
  • Includes Conventional, High Balance and ARMs

    • ELITE M.I.

    Elite M.I. combines the cheapest lender-paid mortgage insurance in the industry with some of the lowest borrower-paid pricing, which means you only have to go one place to deliver a lower payment for 640+ FICO borrowers. And since we are delegated with the M.I. companies, you'll save 3-7 days in closing your loan.

  • Significantly lower M.I. premiums than other lenders
  • LPMI available up to 97% LTV
  • Underwrite to AUS findings
  • M.I. certificates issued in-house with no M.I. overlays

    • HOMEREADY

    Conventional options for borrowers looking to purchase with a low down payment or refinance with limited equity

  • Purchases up to 97% including FTHB
  • Refinances serviced by FNMA eligible up to 97% LTV
  • Reduced Mortgage Insurance
  • High Balance available
  • Relaxed AMI income limits based on census tracts
  • Gift funds eligible for entire down payment
  • Appraisal fee credit up to $525 given at closing

    • HOME POSSIBLE

    A great alternative to FHA financing for borrowers looking to purchase with a low down payment or refinance with limited equity.

  • Up to 95% LTV
  • First time homebuyers, move-up borrowers, and retirees
  • No income limits for Underserved Areas
  • Appraisal fee credit up to $525 given at closing

    • HOME POSSIBLE ADVANTAGE

    A great alternative to FHA financing for borrowers looking to purchase with a low down payment or refinance with limited equity.

  • Up to 97% LTV
  • First time homebuyers, move-up borrowers, and retirees
  • Refinances up to 97% LTV, regardless of current mortgage program
  • No income limits for Underserved Areas
  • Appraisal fee credit up to $525 given at closing

    • 85% CONVENTIONAL CASH-OUT REFINANCE

    This program is here to help by increasing Cash-Out Refinances from 80% LTV to 85% LTV. Program highlights:

  • 740+ FICO
  • Primary homes only
  • Reduced mortgage insurance premiums

    • HIGH BALANCE NATIONWIDE UP TO 90% LTV

    Offer conventional high balance loans up to 90% LTV featuring our preferred lenders exclusive M.I. Buyout to all of your borrowers nationwide even those outside of the counties eligible under Fannie Mae and Freddie Mac instead of having to opt for a Jumbo loan. Details include:

  • Our Mortgage Insurance Buyout is typically cheaper than Lender Paid Mortgage Insurance (LPMI) with no M.I. certificate needed
  • Purchases up to 90% LTV; refinances up to 80% LTV
  • Min 680 FICO; Max 43% DTI
  • Loan amounts from $453,101 - $679,650
  • Better rates, easier guidelines and faster turn times than Jumbo
  • Eligible for primary and second homes

    • ELITE HIGH BALANCE

    Elite High Balance offers some of the best conventional high balance rates and pricing for loans in excess of $424,100. Interest rates are lower than Jumbo Loan pricing providing you with a more affordable loan option. You'll receive industry-leading turn times, and award-winning technology with every loan.

  • 700+ FICO
  • Up to 80% LTV
  • Loan amounts from $424,101 up to County Loan Limits
  • Appraisal Waivers honored
  • Underwrite to AUS findings
  • Includes Conventional, High Balance and ARMs

    • HIGH BALANCE

    Time is of the essence with every borrower. This program provides the most competitive rates in the marketplace.

  • $424,101+ loan amount
  • LTV's as high as 90%
  • 640+ FICO
  • Available in all 50 states, both fixed and ARM loans

    • ARMS

    Our aggressive ARM pricing can provide you with a lower monthly payment. Check our competitive 5/1, 5/5, 7/1 or 10/1 low interest rate ARM.

  • Provide savings to you with lower rate and payment options
  • Reduced caps to 2/2/5 on all 5/1 and 5/5 ARM products
  • 7/1 ARMs qualify at the actual note rate

    • FLEX TERM

    Customize the perfect loan for your benefit without resetting the mortgage clock! Flex Term provides borrowers with flexible options to select their amortization term.

  • Available on all conventional loan products
  • Terms available from 8-30 years

    • LIMITED REVIEW CONDOS

    Our preferred lender makes your condo approvals quick and easy with our limited review process. All files receiving a limited review response will only need a minimum evaluation by our condo department.

  • Available in all 50 states
  • No condo questionnaire required

    • HARP 2.0

    We're closing HARP 2.0 (Home Affordable Refinance Program) in 20 days or less! A current loan with Fannie Mae that was originated prior to May 31, 2009? HARP 2.0/DU Refi Plus allows you to refinance your current loan even if you owe more than the property is currently valued at.

  • Up to 175% LTV/Unlimited CLTV
  • No DTI restrictions (approve/eligible findings)
  • Appraisal Waivers honored
  • Condos and high balance loans are eligible up to 125% LTV/CLTV
  • M.I. transfers allowed with our HARP 2.0 with M.I. program

    • Equal House Lending

    The Best Rates

    Specially Tailored Services