Products & Programs

Explore Our Wide Array of Mortgage Products: Designed for Flexibility and Success

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All Products

0% Down Purchase

  • These loans follow either Home Possible® guidelines, so they can take advantage of LLPA caps. The caps make it easier for underserved borrowers to achieve homeownership.
  • This program can help gain business from real estate agents by offering an additional affordability product, giving you a competitive advantage.

Conventional

  • Up to 97% LTV
  • 95% for 2-4 Unit primary
  • FICO down to 620
  • Waive Escrows up to 97% LTV
  • Underwritten to AUS, no overlays
  • 16+ Investors/Lenders
  • LLPA’s waived if FTHB under 100%AMI

FHA

  • FICO down to 500
  • Underwritten to 4000.1, nooverlays
  • 19+ Lenders

USDA

  • Down to 550
  • Underwritten to GUS, no overlays
  • 16+ Investors/Lenders

VA Loans

  • 100% Financing
  • Underwritten to VA Handbook, nooverlays
  • Waive escrows up to 100%
  • 14+ Investors/Lenders

Freddie Mac Home One

  • FTHB Program
  • Up to 97% LTV
  • Discounted MI

Fannie Mae Home Ready

  • No FTHB Program
  • Income Limits
  • Discounted Mortgage Insurance
  • LLPA’s waived

Freddie Mac Home Possible

  • No FTHB Program
  • Income Limits
  • Discounted Mortgage Insurance
  • LLPA’s waived

Lending Heights EDGE

  • Up to 97% LTV
  • $5000 Credit
  • Up to $500 toward 1-year homewarranty
  • Up to $500 toward Appraisal Cost
  • No income Restrictions
  • Geographic Restrictions
  • Follows DU Approved/Eligible

Conventional 1% Down

  • Follows Home Possible/Home ReadyGuidelines
  • 97% LTV with 2% paid by lender upto $4000

Empowered DPA Loan

  • FHA loan with 2% or 3.5% grant
  • FICO down to 620
  • DTI up to 48.99

Jumbo Loans

  • Up to 90% LTV
  • Loans up to 4MM
  • 19+ Lenders/Investors

Bank Statement

  • 12 or 24 Month Statements
  • Personal or business
  • Loan up to 3MM
  • FICO down to 580
  • 8+ lenders/investors

DSCR

  • Close in personal name or LLC
  • No income verification
  • Investment Only
  • 8+ Lenders/ Investors

NON-QM

  • 1099 Only Program
  • ITIN Clients
  • Portfolio Lenders
  • Common sense underwriting
  • AUS miss loans

HELOC

  • 5-day closing allowed
  • Investment Properties
  • FICO down to 620
  • 3+ Investors

One Time Close Construction

  • Conventional, FHA, and VA programs
  • 3 investors

Renovation Loans

FHA 203k Renovation
  • Standard and Limited
  • Follows FHA 4000.1 no overlays
  • Down to 580 FICO
Fannie Mae Homestyle Renovation
  • 1-4 unit Primary
  • FICO down to 620
Freddie Mac CHOICE Renovation
  • 1-4 unit Primary
  • FICO down to 620
VA Renovation
  • Purchase or Refinance
  • FICO down to 580
USDA Renovation
  • Up to 100% LTV
  • FICO down to 580