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Programs

Conventional High Balance

Min. FICO 620 Up to 97% CLTV

A Conventional High Balance loan is a mortgage option for borrowers who need financing for an amount that exceeds the national baseline conforming loan limits but stays within the local conforming loan limits for the high-cost county. This allows homebuyers to borrow more money to purchase a home in a more expensive area.

Program features
  • Loan amounts up to $1,149,825
  • FICO 620
  • Up to 97% LTV
  • Cash-out allowed
  • Primary, secondary homes, and investment
Why choose our Conventional High Balance?
  • Temporary rate buydowns available
  • No overlays with FNMA/Freddie
  • Faster turn times
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Program details

Loan amounts up to $1,149,825
DTI up to 50%
Primary, secondary homes, and investment
Minimum down payment 3%
LTV up to 97%
At least two consecutive years of stable income and employment
Min 2 months of reserves for second homes, min 6 months of reserves for investment properties and primary residences up to 4 units
Gift funds are allowed
PMI (private mortgage insurance) is required if down payment is less than 20%
At least 2 years out of credit events
Single-family homes, 1-4 units, condominiums, and townhomes
15 & 30 year fixed; 5/6, 7/6, 10/6 ARM
US citizens, Permanent Residents, Non-permanent Residents
Individuals
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Fast turnaround times

Disclosure

24 hours

Underwriting

24 hours

Conditions

24 hours

Closing

24 hours

24 hours

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#Yes to self-employed

Freddie Mac Refi Possible

Min. FICO 620 Up to 97% CLTV
  • Reduced documentation
  • DTI up to 65%
  • Owner-occupied, 1-unit primary residence
  • LTV up to 97%

Fannie Mae HomeReady

Min. FICO 620 Up to 97% CLTV
  • Loan amounts up to $766,550
  • DTI up to 50%
  • Primary residence
  • Minimum down payment 3%