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This program is the best choice for those who are looking to minimize their down payment, especially first-time home buyers. Unlike Conventional loans, FHA programs provide you with opportunities to make your down payment as low as 3.5% for different types of properties.

FHA loans do have an upfront built in mortgage insurance designed to protect the lender in case of default.

Program highlights:

  • Financing up to 96.5%
  • DTI up to 56.99%
  • No appraisal is needed to apply for streamline refinance FHA program
  • Up to 6% of closing costs can be contributed by the seller

We will call you back if you have any questions.

  • We will contact you if you have any questions

Other Programs

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High Balance Conventional Loan

- Loan amount up to $822,375 in high-cost areas for a single unit
- Eligible for primary and second homes
- More competitive rates and easier guidelines
- Faster turn times

FHA Streamline

- No appraisal, no income documentation required
- You must have made at least six payments on your FHA mortgage
- To qualify, you’re required to be current on your monthly loan payments

Prime Jumbo

- DU Approve/Ineligible
- Min FICO 660
- Up to 89.99% LTV
- 30 year fixed up to $2mm
- No Mortgage Insurance required
- Primary, Second Home and Investment properties are allowed
- Available for Purchase, Rate/Term Refinance and Cash-Out Refinance
- Delayed financing is available up to 180 days
- No Overlays on Reserves – refer to DU
- No Overlays on Credit and Tradelines – refer to DU
- Income as per DU

Full Doc NQM

- Traditional Income
- Loan Amount up to
- Max Cash in hand
- 90% LTV
- FICO 580
- Condo 80% LTV
- Cash out up to 80% LTV
- 2Y Credit Event allowed
- Super Prime & Prime