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LOAN
PROGRAMS AND PRODUCTS
| 103% Purchases Minimum
Fico scores 720 |
| 100 % Stated Income Purchases
Minimum Fico scores 680 |
| 100 % Full Document Purchases
80/20 Minimum Fico scores 600 |
| 100 % Full Document Purchases
Minimum Fico scores 600 |
| 100 % Full Documents Refinance
80% Ist and 20% 2nd |
Prime
Lending Programs Fico scores 620
|
Conforming
Fixed
|
Conforming
ARMs
|
| Conforming 30-year |
30-year adjustable |
| Conforming 15-year |
3/1 year adjustable |
| Conforming 30/7 year |
5/1 year adjustable |
| Conforming 30/5 year |
7/1 year adjustable |
| Conforming 20-year |
10/1 year adjustable |
Subprime
Lending Fico Scores less than 620
|
100% Purchases
full documents 80/20 Minimum Fico Scores 600
|
|
100% Stated
Income loans fico scores 640
|
|
90% Purchase
/ Cash-Out for A- Credit Fico Scores 580
|
|
85% No-Income-Verification
Purchase. No Reserves needed
|
|
80% Bankruptcy
Chapter 13 Buyouts
|
|
90% State
Income Purchase / Refinance
|
| 70%
Foreclosure Refinances- Owner Occupied Conventional Lending |
| 70%
Stated Income, Non-owner Refinances |
|
90% Construction
Take-out
|
Subprime
Lending Fico Scores less than 620
|
Fixed
Rates
|
Adjustable
Rates
|
|
30-year Fixed |
3/27 Full Documents |
|
30-year
Fixed Limited
|
2/28
Full Documents
|
|
30-year
Stated Income
|
2/28
Stated Income
|
|
30-year
Cash-Out
|
90% Non-Owner
2nds
|
|
Multifamily/Mixed
Use
|
95% Purchase
A-
|
Seconds
and Home Equity Loans
|
100 % second
loans fully documented income fico scores 600
|
LOAN
PROGRAMS NOT OFFERED
•Mobile homes • Construction
loans • Co-ops • Bridge loans • Commercial property mixed use • Leaseholds
• Land purchase loans • Refinancing properties listed for sale • Condotels•
Condos over 4 stories• Loans to buy Foreclosure sales•Timeshares loans•Manufactured
housing
Apply Now
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Application
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