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I have witnessed a progressive group striving to increase efficiency, product availability, and support services
David Hernandez
Branch Manager
The more loan programs, the more times you can say yes.
You are our Customer. We are here to help you succeed. Our vast number of loan programs give you the ability to work with a wide range of borrowers.
See what loan programs we have to offer:
- 620+ FICO on conforming conventional
- Financed properties up to 10 N/O/O
- Only one score reporting okay with DU approval
- Properties one day off-market okay for R&T refi
- No minimum number of tradelines – DU
- No DTI restrictions – DU
- Appraisals waivers (PIW) allowed on DU Refi Plus if allowed by AUS
- Rental income without landlord history
- DU Refi Plus to 150% LTV/CLTV with 620 FICO if AUS approved
- 80% LTV cash-out with MI approval
- Lender-paid MI; single premium & financed MI
- HomeStyle Renovation program available
- Escrow holdback repairs up to $5k
- Texas cash-out (A6)
- FNMA HomeReady
- DACA
- 580+ FICO
- DU and LP
- Cash-out to 100% allowed
- Minimum 600 FICO VA IRRRL, no income, mortgage only
- VA IRRRL with AVM
- Escrow holdback repairs up to $5k
- Manual underwriting accepted; AUS refer allowed
- 96.5% LTV on purchases for 580+ FICO
- 97.75% LTV on R&T refi or 80% cash-out
- 90% LTV for 560-579 FICO
- No DTI restrictions on 580+ FICO, follow AUS; 560-579 DTI cap at 43%
- Manual underwriting accepted
- Borrowers with no credit score accepted
- No VOR unless required by DU findings
- Mortgage lates okay if AUS approved, excluding C/O
- One day off-market for cash-out refi; property to be off-market prior to date of loan application
- HUD REO $100 down allowed
- Back to Work program
- DU and LP
- Escrow holdback repairs up to $5k
- 203(k) purchase and streamline
- 600+ FICO
- 600-639 refers okay
- 640+ FICO GUS accepts, no overlays
- Manual underwriting accepted
- 2 years seasoning on short-sales with compensating factors and valid LOEs
- USDA pilot refinance program
- Escrow holdback repairs up to $5k
- 620 min FICO for Streamlines, no appraisal, no income, mortgage-only credit report with score
- Home Equity Conversion Mortgage (HECM / Reverse)
- Down payment assistance
- Jumbo
- Non QM
- ITIN 90% LTV (TX, OK & CO)
- Manufactured housing via mini correspondent – AFR
- 203 (H) via mini correspondent – AFR
- Bank statement
- Construction
