Mortgage Products & Programs

the most complete set of mortgage programs available

Mortgage Types

Conventional

We combine competitive rates, groundbreaking tools and technology, and a fast, easy process to help you deliver a worry-free mortgage experience.

Conventional Cash-Out 90

This cash-out refinance option allows homeowners to access up to 89.99% LTV—without the burden of mortgage insurance. With simplified guidelines and competitive rates, it’s a smart solution for tapping into home equity.

Loan Purpose: Cash-out refinance with high LTV and no mortgage insurance

Loan Amount: Up to conforming loan limits

FICO Score: 680+

LTV: 80.01% to 89.99%

Term: 30-Year Fixed only

DTI: Determined by DU/LPA, not to exceed 50%

Seasoning: Only 6 months required if paying off the first-lien mortgage

Occupancy: Primary residence only

Conventional 1% Down

This low-down-payment option is perfect for qualifying borrowers who meet income limits and want to keep more money in their pockets at closing. We contribute toward the down payment making homeownership more accessible than ever.

Loan Purpose: Designed for low-to-moderate income borrowers (≤ 80% AMI)
Loan Amount: Up to conforming loan limits
FICO Score: 620+
LTV: Must be 97%
Down Payment Structure:
- Lender contributes the lesser of 2% or $7,000
- Borrower pays 1% (or the remainder if needed to reach 3%)
Term: 30-Year Fixed
Loan Types: Purchase only
Eligibility: LPA or DU, follows Home Possible/HomeReady guidelines
Other Features: Temporary Rate Buydowns available

Home Possible®

Home Possible® is a flexible alternative to FHA financing, ideal for first-time buyers, retirees, and low-to-moderate income borrowers. It offers low down payment options with broad property eligibility.

Loan Purpose: Purchase or refinance with limited equity

Loan Amount: Conforming loan limits

FICO Score: 620+

LTV: Up to 97%

Income Limits: Up to 80% AMI

Bonus: FTHBs ≤ 50% AMI receive a $2,500 pricing incentive

Eligible Borrowers: First-time buyers, move-up borrowers, retirees

Property Types: Manufactured homes, condos, co-ops*, PUDs

Other Features: High Balance available, Temporary Rate Buydowns available.

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HomeReady®

Designed for low-to-moderate income borrowers, HomeReady® offers affordable financing with flexible terms and reduced mortgage insurance. Ideal for first-time homebuyers or those refinancing with limited equity.

Loan Purpose: Purchase or refinance with limited equity

Loan Amount: Conforming loan limits

FICO Score: Per DU requirements

LTV: Up to 97%, including FTHB

Income Limits: Up to 80% AMI

Bonus: FTHBs ≤ 50% AMI receive a $2,500 pricing incentive

Down Payment: Gift funds allowed for entire amount

Property Types: Manufactured homes up to 95% LTV, condos, co-ops*, PUDs

Other Features: Reduced MI, High Balance available, Temporary Rate Buydowns available

HomeOne®

Qualify more first-time homebuyers with this 3% down payment solution.

Purchases up to 97% LTV

No income restrictions

Available in all geographic locations

Eligible for single-family homes, including townhouses and condos

At least one borrower must be a first-time homebuyer

LPA only

Available on single- and multi-wide manufactured homes with LTV up to 95%, and PUDs

Lender and seller paid Temporary Rate Buydowns available

One-Time Close New Construction (Conventional)

Offer borrowers one seamless closing for both construction and permanent financing. With just one set of documents, one approval, and one down payment, your clients can build their dream home with confidence.

Loan Purpose: Primary, second home, and investment property purchases or rate/term refinances
Loan Amount: Up to conforming loan limits
FICO Score: 700+
LTV: Up to 95%
Terms: 15- or 30-year fixed, high balance, 7- and 10-year ARM options
Eligibility: DU eligible
Build Period: 11-month max build + 1-month modification period
Payment Structure: Interest-only payments during the build period

Limited Review Condos

Our streamlined condo approval process makes getting to the closing table faster. Limited Review, AUS-approved files only require a minimal evaluation—no condo questionnaire needed.

Loan Purpose: Quick, simplified condo approvals
Availability: All 50 states
Condo Questionnaire: Not required
Other Features: Lender and seller-paid Temporary Rate Buydowns available

Adjustable-Rate Mortgages (ARMs): 5, 7, and 10 Year

Give your borrowers greater affordability with lower introductory rates through a variety of 5-, 7-, and 10-year ARM options. Whether it's a standard conforming loan or high balance, we’ve got a flexible ARM solution ready to fit.

Conventional Elite 5, 7, and 10 Year

FICO Score: 700+
LTV: Up to 80%
Loan Purpose: Purchase, rate/term refinance, and cash-out
Occupancy: Primary, second home, and investment
Minimum Loan Amount: $125,000
Restrictions: Not available on manufactured homes

Conventional 5, 7, and 10 Year

FICO Score: 620+
LTV: Up to 95%
Loan Purpose: Purchase, rate/term refinance, and cash-out
Occupancy: Primary, second, and investment
Other Features: One-Time Close New Construction available for 7- and 10-year ARMs
Restrictions: Not available on manufactured homes

Conventional Elite High Balance 5, 7, and 10 Year

FICO Score: 700+
LTV: Up to 80%
Loan Purpose: Purchase, rate/term refinance, and cash-out
Occupancy: Primary, second, and investment
Loan Amount: From $806,500 up to county loan limits
Restrictions: Not available on manufactured homes

Conventional High Balance 5, 7, and 10 Year

FICO Score: 620+
LTV: Up to 95%
Loan Purpose: Purchase, rate/term refinance, and cash-out
Occupancy: Primary, second, and investment
Loan Amount: From $806,500 up to county loan limits
Other Features: One-Time Close New Construction available for 7- and 10-year ARMs
Restrictions: Not available on manufactured homes

Additional Feature:

Temporary Rate Buydowns available

FHA

Help more borrowers who may not qualify for conventional financing achieve the dream of homeownership.

FHA Loans

Help more borrowers who may not qualify for conventional financing achieve the dream of homeownership.

FICO Score: 580+
LTV: Up to 97.75%
Eligibility: Primary purchase, rate/term and cash-out refinances
Property Types: Available on single- and multi-wide manufactured homes
Loan Size: Jumbo starting $1 over conforming loan limit up to FHA Mortgage Limit

FHA Elite

Take your FHA borrowers to a new level with industry-leading government rates and pricing. This is the obvious choice for your top-tier clients.

FICO Score: 640+
Loan Amount: From $125,000 up to county loan limits
Loan Type: All fixed term mortgages
Occupancy: Single family primary residences
Property Types: Available on single- and multi-wide, condos and PUDs
Temporary Rate Buydowns: Available

FHA 203k

The FHA 203(k) Loan is designed for homebuyers and homeowners looking to purchase or refinance a home that needs repairs or renovations.

Loan Purpose: Purchase or refi that covers both the cost of acquiring or refinancing the property and the necessary rehabilitation expenses

Loan Amount: Up to conforming loan limits

FICO Score: 680+

LTV: 80.01% to 89.99%

Term: 30-Year Fixed only

DTI: Determined by DU/LPA, not to exceed 50%

Seasoning: Only 6 months required if paying off the first-lien mortgage

Occupancy: Primary residence only

FICO Score: 580+
LTV: Up to 97.75%
Eligibility: Primary purchase, rate/term and cash-out refinances
Property Types: Available on single- and multi-wide manufactured homes
Loan Size: Jumbo starting $1 over conforming loan limit up to FHA Mortgage Limit

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FHA Streamline

Lending Heights' FHA Streamline program allows you to refinance your FHA borrower with no appraisal or AVM.

FICO Score: 580+
Interest Window: Up to 60 days interest allowed
Property Types: Available on single- and multi-wide manufactured homes, condos and PUDs

FHA 3/1 & 5/1 ARMS

Give your FHA borrowers a lower rate option with our 3/1 and 5/1 Adjustable Rate Mortgages (ARMs).

FHA ARM

FICO Score: 580+
LTV: Up to 97.75%
Occupancy: Primary residence only on purchases and refinances
Escrow Waivers: Not permitted
Temporary Rate Buydowns: Not available

FHA Elite ARM

FICO Score: 640+
LTV: Up to 97.75%
Occupancy: Primary residence only on purchases and refinances
Escrow Waivers: Not permitted
Temporary Rate Buydowns: Not available

Streamline Refinance

FICO Score: 580+
Occupancy: Primary residence only
Escrow Waivers: Not permitted
Temporary Rate Buydowns: Not available

Elite Streamline Refinance

FICO Score: 640+
Occupancy: Primary residence only
Escrow Waivers: Not permitted
Temporary Rate Buydowns: Not available

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VA

A VA loan isn’t just a benefit — it’s a strategic advantage. At Lending Heights Mortgage, we offer an entire suite of VA programs designed to meet the unique needs of those who have served in the Armed Forces. Whether it’s 100% financing, refinancing, or flexible ARM options, our VA loan lineup delivers the competitive edge and simplicity your military clients deserve.

One-Time Close New Construction (VA)

Deliver a streamlined new construction solution for eligible veterans with zero monthly payments during the build phase and up to 100% financing.

Loan Purpose: Primary residence purchases and cash-out refinances
Loan Amount: Up to $4M
FICO Score: 580+
LTV: Up to 100%
Terms: 30-year fixed
Eligibility: DU eligible
Build Period: 11-month max build + 1-month modification period (modification month deducted from loan term)
Payment Structure: No monthly payments during build period

VA Elite

Lending Heights' VA Elite loans are designed for VA borrowers with higher FICO scores, offering industry-leading government rates and pricing.

Loan Amounts: $125,000 up to county loan limits
Jumbo Option: Starting from $1 over the conforming loan limit, up to $4M
FICO Score: 640+ FICO, up to 100% LTV
Term: Fixed term only
Occupancy: Single-family primary residence
Loan Types: Purchase & cash-out refinance
Property Eligibility: Available on single- and multi-wide, condos, and PUDs
Additional Benefits:
- Escrow waivers up to 100% LTV
- Temporary Rate Buydowns available

VA IRRRL

Lending Heights' VA IRRRL program allows borrowers to take advantage of their VA benefits by refinancing their current VA loan into a lower interest rate with minimal hassle.

LTV: Unlimited
Loan Amounts: Up to $4M
Appraisal: No appraisal required
Property Eligibility: Available on single- and multi-wide, condos, and PUDs
Occupancy: Primary, second, and investment properties eligible

VA 3/1 & 5/1 ARMS

Give your VA borrowers a lower rate option with Lending Heights’ 3/1 and 5/1 Adjustable Rate Mortgages (ARMs).

VA ARM

FICO Score: 580+ FICO, up to 100% LTV
Occupancy: Primary residence only on purchases and refinances
Temporary Rate Buydowns: Not available

VA Elite ARM

FICO Score: 640+ FICO, up to 100% LTV
Occupancy: Primary residence only on purchases and refinances
Temporary Rate Buydowns: Not available

IRRRL Refinance

FICO Score: 580+ FICO
Occupancy: Primary residence only
Temporary Rate Buydowns: Not available

Elite IRRRL Refinance

FICO Score: 640+ FICO
Occupancy: Primary, investment, and second homes
Temporary Rate Buydowns: Not available

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USDA

Lending Heights USDA loans are a great option for borrowers seeking 100% financing in eligible rural areas. Recognized as a top-tier USDA lender, Lending Heights offers a smooth, efficient process to help you close on time — with direct access to underwriting and rapid turn times.

USDA Loans

Lending Heights USDA loans are a great option for borrowers seeking 100% financing in eligible rural areas. Recognized as a top-tier USDA lender, Lending Heights offers a smooth, efficient process to help you close on time — with direct access to underwriting and rapid turn times.

Key Highlights:

30-year fixed rate
No down payment required
No cash reserves needed
Closing costs may be financed on select transactions
Seller contributions allowed
620+ FICO minimum (Elite pricing starts at 640+ FICO)
Eligible for single- and multi-wide manufactured homes, condos, and PUDs

USDA Renovation

Help rural homebuyers purchase and renovate with one convenient loan. This USDA-backed program finances both the home and eligible improvements under a single mortgage.

580+ FICO, up to 100% LTV based on as-improved value
Loan amounts subject to USDA county loan limits
DTI per USDA guidelines
Primary residence only; 1-unit properties including eligible PUDs
30-year fixed rate
Combines home purchase and renovation into a single loan
Non-structural repairs allowed up to $35,000
Structural repairs permitted if total exceeds $35,000
Property must be fully completed and occupied for at least 1 year
No refinances, new construction, or incomplete properties allowed
Guarantee fee may be financed

Jumbo Loans

A jumbo loan is a mortgage designed for high-value homes that exceed conventional loan limits, offering flexible terms and competitive rates for qualified borrowers.

Jumbo 30-Year Fixed

FICO: 660+

Max LTV/CLTV: Up to 90% LTV / 89.99% CLTV (depending on program tier)

Loan Amounts:

Starting from $1 over conforming limits or $400K
Up to $5M

DTI:

Up to 50% DTI

Occupancy Eligibility:

Eligible for primary, second homes, and investment properties
Purchase, rate/term, and cash-out refinances permitted

Reserves Required:

Range from 3–24 months depending on FICO, occupancy, and loan amount
Larger loan sizes (>$2M or >$3M) require more reserves (up to 24 months)

Appraisals:

2 appraisals required for loans over $1.5M or $2M depending on tier

Other Highlights:

Temporary Rate Buydowns not permitted (except Yellow and Pink where eligible on primary/second home purchases)
Appraisal waiver not applicable
Cash-out max amounts vary by tier (commonly up to $2M–$3M)
DU/LP/AUS approval required depending on loan size and tier
Borrower solicitation protection in some tiers

Prime Jumbo Max ARMs (7- and 10-Year Fixed)

Loan amounts up to $3M

700+ FICO and up to 43% DTI

Up to 80% LTV

Eligible on primary and second homes

Appraisal:

1 for loans up to $1.5M
2 for loans over $1.5M

Reserves – Purchase/Rate-Term:

Primary: 6–18 months
Second: 12–18 months

Reserves – Cash-Out:

Primary up to $3M: 6–12 months (up to $250K cash-out)
$1.5M–$2M: 15 months (up to $500K cash-out)
Second home up to $1.5M–$2M: 12–18 months (up to $500K cash-out)

Appraisal waiver not applicable

Prime Jumbo Interest Only (30-Year Fixed)

Loan amounts up to $5M

700+ FICO and up to 43% DTI

Up to 80% LTV

10-year interest only, 20-year amortization

Eligible on primary and second homes

Appraisal:

1 for purchases up to $3M and refis up to $2M
2 for refis over $2M

Up to $1M: 12 months reserves

Over $1M: 24 months reserves

Appraisal waiver not applicable

Jumbo 15-Year Fixed – White

700+ FICO

Up to 45% DTI and 80% LTV

Loan amounts from $600K up to $3M

Reserves per DU/LPA findings

Eligible on primary home purchases, rate/term, and cash-out refinances

Temporary Rate Buydowns not permitted

Appraisal waiver not applicable

Jumbo 30-Year Fixed – Purple

700+ FICO

Up to 50% DTI, up to 89.99% CLTV

DU only

Loan amounts starting $1 over the greater of the conforming loan limit or High Agency Cost limit, up to $3M

Eligible on primary, second, and investment property purchases and rate/term refinances

Cash-out refinances allowed on primary and second homes only

Reserves:

Primary purchase up to $5M: 6–12 months
Second home purchase up to $3M: 9–12 months
Investment purchase up to $2.5M: 12 months
Cash-out: Minimum 9 months (max cash out $300K or $500K with 10% CLTV reduction)

2 appraisals required for loans over $2M

Temporary Rate Buydowns not permitted

Appraisal waiver not applicable

Jumbo 15-Year Fixed – White

700+ FICO

Up to 45% DTI and 80% LTV

Loan amounts from $600K up to $3M

Reserves per DU/LPA findings

Eligible on primary home purchases, rate/term, and cash-out refinances

Temporary Rate Buydowns not permitted

Appraisal waiver not applicable

Prime Jumbo ARMs (5-, 7-, 10-Year Fixed)

Loan amounts up to $5M

680+ FICO and up to 45% DTI

Up to 80% LTV

Eligible on primary, second, and investment properties

Appraisal:

1 for purchases up to $3M and refis up to $2M
2 for refis over $2M

$2M+ loans require 18 months of reserves

Appraisal waiver not applicable

Prime Jumbo Interest Only (30-Year Fixed)

Loan amounts up to $5M

700+ FICO and up to 43% DTI

Up to 80% LTV

10-year interest only, 20-year amortization

Eligible on primary and second homes

Appraisal:

1 for purchases up to $3M and refis up to $2M
2 for refis over $2M

Up to $1M: 12 months reserves

Over $1M: 24 months reserves

Appraisal waiver not applicable

Bank Statement Loans

Designed for self-employed borrowers who prefer flexibility over traditional income documentation, our Bank Statement Fixed loan lets you qualify using 12 months of consecutive business or personal bank statements.

Bank Statement Fixed – Blue

620+ FICO with LTVs up to 90%
Loan amounts starting at $100,000 up to $3M
Up to 50% DTI
Self-employed borrowers only
First-time homebuyers not permitted on investment properties
Eligible on primary, second, and investment property purchases, rate/term and cash-out refinances

Reserve Requirements:

6 months’ reserves for loans ≤ $2M
9 months’ reserves for loans > $2M

Additional Conditions:

Minimum 12 months' consecutive bank statements required
Two separate appraisals from different appraisers required for loans > $1.5M
Temporary Rate Buydowns not permitted
Not eligible in:
- Massachusetts or Nevada (for FICO scores under 660)
- West Virginia or on Texas 50(a)(6)

Bank Statement Fixed – Orange

660+ FICO with LTVs up to 90%
Loan amounts starting at $100,000 up to $3.5M
Up to 55% DTI
Self-employed borrowers only
First-time homebuyers on primary and second home transactions: max 50% DTI
Eligible on primary, second, and investment property purchases, rate/term and cash-out refinances

Reserve Requirements:

Loans ≤ $1M → 6 months’ reserves
Loans > $1M and ≤ $2M → 9 months’ reserves
Loans > $2M → 12 months’ reserves

Additional Notes:

Borrowers with more than one financed property require the greater of:
- 9 months’ reserves, or
- Above-stated reserve + 2 months for each financed property
12 months’ consecutive bank statements required
Two appraisals from different appraisers required for loans > $2M
Temporary Rate Buydowns not permitted
Not eligible in:
- West Virginia
- Texas 50(a)(6)

Bank Statement Fixed – Pink

660+ FICO with LTVs up to 85%
Loan amounts up to $3M
Up to 50% DTI
At least one borrower must be self-employed
No minimum tradeline requirements
Eligible for primary, second, and investment property purchases, rate/term and cash-out refinances

Reserve Requirements:

Loans ≤ $2M → 6 months’ reserves
Loans > $2M → 9 months’ reserves

Additional Requirements:

12 months’ consecutive bank statements required
Two appraisals from different appraisers required for loans > $1.5M
Temporary Rate Buydowns not permitted
Not eligible in:
- West Virginia
- Texas 50(a)(6)

Bank Statement Fixed – Yellow

620+ FICO with LTVs up to 90%
Loan amounts up to $3M
Up to 50% DTI
Self-employed borrowers only
First-time homebuyers not permitted on investment properties
Eligible on primary, second, and investment property purchases, rate/term and cash-out refinances

For Primary Homes:

Loans ≤ $1.5M → 6 months’ reserves
Loans > $1.5M → 12 months’ reserves

For Second and Investment Property Loans:

12 months’ reserves required

Additional Notes:

For borrowers with more than one financed property, reserve requirement is the greater of 9 months’ reserves or:
- Amount stated above plus an additional 2 months per property
Minimum 12 months' consecutive bank statements required
Two separate appraisals from different appraisers required for loans > $2M
Temporary Rate Buydowns not permitted
Not eligible in:
- West Virginia
- Texas 50(a)(6)

Non-QM

A Non-QM (Non-Qualified Mortgage) loan is a mortgage product that does not strictly conform to traditional lending guidelines, offering more flexible underwriting standards for borrowers with unique income situations or credit profiles, such as Jumbo, Bank Statement, and Investor Flex DSCR loans.

Jumbo Loans

Our six fixed-rate jumbo products provide competitive pricing and unique options unavailable at most big banks. Designed for borrowers who need financing above conventional loan limits. These loans are ideal for high-value property purchases and offer competitive terms with flexible qualification options.

Loan Purpose: Designed for high-value home purchases exceeding conforming loan limits
Loan Amount: Up to $4,000,000
FICO Score: Varies, starting from 680
LTV: Up to 90%, depending on loan size and borrower profile
Term: Fixed and ARM options available
Loan Types: Purchase, rate & term refinance, and cash-out refinance
Property Types: Primary, secondary, and investment properties

Bank Statement

Bank Statement Loans are designed for self-employed borrowers who prefer to use bank deposits instead of traditional income documentation to qualify. This flexible program offers an alternative path to homeownership without needing tax returns.

Loan Purpose: Ideal for self-employed individuals and small business owners
Loan Amount: Up to $3,000,000
FICO Score: Varies, starting from 580
LTV: Up to 90%, based on credit profile and reserves
Term: 30-Year Fixed and ARM options available
Loan Types: Purchase, rate & term refinance, and cash-out refinance
Income Documentation: 12 or 24 months of personal or business bank statements used to qualify

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DSCR

Debt Service Coverage Ratio or DSCR loans are for borrowers to qualify for loans on the market rent of their investment property, rather than their personal income. No income varification!

Loan Purpose: Designed for investors/ investment properties - can close in personal name or LLC
Loan Amount: Up to $2,000,000.
FICO Score: Varies, starting from 620.
LTV: Up to 80%, with specific reductions for certain conditions.
Term: 30-Year Fixed.
Loan Types: Purchase, rate & term refinance, and cash-out refinances.
DSCR Calculation: DSCR = Rental Income / Proposed PITIA. The rental income from the subject property should be at least 15% of the new mortgage payment.

1099 & ITIN Programs

This flexible lending solution is designed for self-employed borrowers and non-U.S. citizens. Whether you're an independent contractor using 1099 income or an ITIN holder without a Social Security number, this program offers simplified documentation and inclusive access to home financing—no tax returns or W-2s required.

HELOC

Piggyback HELOC- Pink (30-Year)

680+ FICO, up to 85% CLTV
Up to 50% DTI
$20,000 minimum line amount
Initial draw must be 75% of line amount
Draw amount up to $500,000
3- and 5-year draw periods
For loan amounts up to $400,000, appraisal waiver accepted with approved AVM
Available on all transaction types

Subject to first lien restrictions. Not eligible in Tennessee (primary loans only) and Texas.

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Standalone HELOC – Pink (20- And 30-Year)

680+ FICO, up to 85% CLTV
Up to 50% DTI
$25,000 minimum line amount
Initial draw must be 75% of line amount
Loan amounts up to $500,000
3- and 5-year draw periods
For loan amounts up to $400,000, approved AVM, exterior-only appraisal, or full appraisal is required
For loan amounts over $400,000, a full appraisal is required
Eligible for primary, second, and investment homes

Not eligible in Iowa, Tennessee (primary loans only), Texas, and Vermont.

Standalone HELOC – Yellow (20- And 30-Year)

640+ FICO, up to 85% CLTV
Up to 50% DTI
$25,000 minimum line amount
Initial draw must be 75% of line amount
Loan amounts up to $350,000
3- and 5-year draw periods
For loan amounts up to $250,000 and approved AVM:
Broker Price Opinion, desktop appraisal, or full appraisal is required
For loan amounts over $250,000, a full appraisal is required
Eligible for primary, second, and investment homes

Not eligible in Iowa, Tennessee (primary loans only), Texas, and Vermont.

DSCR

Originate our Investor Flex loans in 35 states, even without a license in those states: AL, AK, AR, CO, CT, DE, GA, HI, IL, IN, IA, KS, KY, LA, ME, MD, MA, MS, MO, MT, NE, NH, NM, OH, OK, PA, RI, SC, TX, VA, WA, DC, WV, WI, WY

Investor Flex Fixed

Built for experienced real estate investors, the Investor Flex Fixed loan offers a powerful, flexible financing solution for scaling rental portfolios. With loan amounts up to $3 million, DSCR requirements as low as 0.00, and the ability to close in an LLC, this program supports both growing and seasoned investors—whether financing one property or twenty.

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Products &
‍Programs

Mortgage Types

Conventional

FHA

VA

USDA

Jumbo Loans

Bank Statement Loans

Non-QM

HELOC

DSCR

Lender & Investor Partners

Become a Modern Loan Originator

Here, it's the easiest ®

Web-Based LOS (Loan Origination System)

POS (Point of Sale) Integration

Lender Marketplace & Real-Time Pricing Engine

Products &‍Programs

Mortgage Types

Conventional

Conventional Cash-Out 90

Conventional 1% Down

Home Possible®

HomeReady®

HomeOne®

One-Time Close New Construction (Conventional)

Limited Review Condos

Adjustable-Rate Mortgages (ARMs): 5, 7, and 10 Year

FHA

FHA Loans

FHA Elite

FHA 203k

FHA Streamline

FHA 3/1 & 5/1 ARMS

VA

One-Time Close New Construction (VA)

VA Elite

VA IRRRL

VA 3/1 & 5/1 ARMS

USDA

USDA Loans

USDA Renovation

Jumbo Loans

Jumbo 30-Year Fixed

Prime Jumbo Max ARMs (7- and 10-Year Fixed)

Prime Jumbo Interest Only (30-Year Fixed)

Jumbo 15-Year Fixed – White

Jumbo 30-Year Fixed – Purple

Jumbo 15-Year Fixed – White

Prime Jumbo ARMs (5-, 7-, 10-Year Fixed)

Prime Jumbo Interest Only (30-Year Fixed)

Bank Statement Loans

Bank Statement Fixed – Blue

Bank Statement Fixed – Orange

Bank Statement Fixed – Pink

Bank Statement Fixed – Yellow

Non-QM

Jumbo Loans

Bank Statement

DSCR

1099 & ITIN Programs

HELOC

Piggyback HELOC- Pink (30-Year)

Standalone HELOC – Pink (20- And 30-Year)

Standalone HELOC – Yellow (20- And 30-Year)

DSCR

Investor Flex Fixed

Lender & Investor Partners

Become a Modern Loan Originator

Here, it's the easiest ®

Web-Based LOS (Loan Origination System)

POS (Point of Sale) Integration

Lender Marketplace & Real-Time Pricing Engine

Products &
‍Programs