Our Products

QUALIFIED LOAN PROGRAMS
Conventional Home Loans
  • Up to 97% financing available
  • 0 score financing available
  • Citizen Abroad program available
  • Financing available up to 10 properties
  • FNMA Homestyle Renovation Loan available
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FHA Home Loans
  • 3.5% down available
  • 203K Full and 203K Streamline
  • 203H Disaster loan
  • 0 score financing available
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VA Home Loans
  • No down payment required
  • No Private MIP
  • 0 score financing available
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USDA Home Loans
  • No down payment required
  • Ability to roll in MI for low closing costs
  • Streamline and Streamline Assist programs available
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TVLB Home Loans
  • -.50 on interest rate for disabled veterans
  • Texas properties only
  • FHA, VA and CONV loans are available under this program
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Jumbo Home Loans
  • Up to 95% financing
  • Up to 90% financing with NO MI
  • Cashout loans available
  • Reduced doc available
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non-QUALIFIED LOAN PROGRAMS
Verification of Enrollment (VOE) Loan Program
  • 650+ FICO
  • Purchase Max LTV 75%
  • 100% Gift Funds Allowed
  • Refinance Max LTV 70% (Rate & Term or Cash Out)
  • Up to $5,000,000 Loan Amount
  • No Paystubs, No W2s, No Tax Returns, and No 4506T
  • 2 Year Employment Mandated Business
  • No 4506T
  • First Time Home Buyers Qualify
  • 65% Max LTV
  • $1,000,000 Max Loan Amount
  • Up to 50% Gift Funds Allowed
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1 Month Bank Statement Program
  • Minimum 650 FICO
  • Purchase Max LTV 75% (1st Time Home Buyers OK)
  • Refinance Max LTV 70% (Rate & Term or Cash Out)
  • Up To $5,000,000 Loan Amount
  • 50% Max DTI
  • Interest Only Options Available
  • 50% Gift Funds Allowed
  • Owner-Occupied Only
  • Personal Bank Statement Only
  • No Reserves and No Pre-Payment Penalty
  • Residential 1 – 4 Units
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The Bank Statements Program
  • What You Need: 12 or 24 Months Personal or Business Bank Statements
  • Up to 90% (700+ FICO) Max LTV
  • Up to 65% LTV Minimum Score (500+ FICO) – 1 Day Out of Settlement
  • Up To $5,000,000 Loan Amount
  • 50% Max DTI
  • Interest Only Options Available
  • 100% Gift Funds Allowed (Up to 80%)
  • No Reserves and No Pre-Payment Penalty
  • Borrower must be Self-Employed
  • Residential 1 – 4 Units
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Business Purpose Only (Owner-Occupied Stated Income) Program
  • 500+ FICO
  • Up To $3,000,000 Loan Amount (Cash Amount Is Case By Case Basis)
  • Up To 70% Max LTV
  • 50% Max DTI
  • Refi Cash Out (Net Funds Must Be Delivered To The Business Entity or Acquisition)
  • No Tax Returns Required
  • Interest Only Option
  • Residential 1 – 4 Units
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Foreign National Program
  • Up To $5,000,000 Loan Amount
  • Up To 70% Max LTV
  • Purchase or Refinance Cash Out (65% LTV)
  • Stated Income
  • Foreign National - Tourist Visa Allowed
  • No Source & Seasoning of Down Payment
  • No Prepayment Penalty
  • Interest Only Available
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The ITIN (Individual Tax identification Number) Mortgage Program
  • 600+ FICO
  • Full Documentation
  • Tax Returns for Self-Employed
  • Pay Stubs Only for W2 Borrower
  • Up To $1,000,000 Loan Amount
  • 50% Max DTI
  • Purchase Max LTV 75% (1st Time Home Buyers OK)
  • Refinance Max LTV 70% (Rate & Term or Cash Out)
  • Residential 1 – 4 Units
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