Products & Programs

Explore Our Wide Array of Mortgage Products: Designed for Flexibility and Success

Happy couple sitting on couch

0% Down Purchase

These loans follow either Home Possible® guidelines, so they can take advantage of LLPA caps. The caps make it easier for underserved borrowers to achieve homeownership.
This program can help gain business from real estate agents by offering an additional affordability product, giving you a competitive advantage.

Conventional

Up to 97% LTV
95% for 2-4 Unit primary
FICO down to 620
Waive Escrows up to 97% LTV
Underwritten to AUS, no overlays
16+ Investors/Lenders
LLPA’s waived if FTHB under 100%AMI

FHA

FICO down to 500
Underwritten to 4000.1, nooverlays
19+ Lenders

USDA

Down to 550
Underwritten to GUS, no overlays
16+ Investors/Lenders

VA Loans

100% Financing
Underwritten to VA Handbook, nooverlays
Waive escrows up to 100%
14+ Investors/Lenders

Freddie Mac Home One

FTHB Program
Up to 97% LTV
Discounted MI

Fannie Mae Home Ready

No FTHB Program
Income Limits
Discounted Mortgage Insurance
LLPA’s waived

Freddie Mac Home Possible

No FTHB Program
Income Limits
Discounted Mortgage Insurance
LLPA’s waived

Lending Heights EDGE

Up to 97% LTV
$5000 Credit
Up to $500 toward 1-year homewarranty
Up to $500 toward Appraisal Cost
No income Restrictions
Geographic Restrictions
Follows DU Approved/Eligible

Conventional 1% Down

Follows Home Possible/Home ReadyGuidelines
97% LTV with 2% paid by lender upto $4000

Empowered DPA Loan

FHA loan with 2% or 3.5% grant
FICO down to 620
DTI up to 48.99

Jumbo Loans

Up to 90% LTV
Loans up to 4MM
19+ Lenders/Investors

Bank Statement

12 or 24 Month Statements
Personal or business
Loan up to 3MM
FICO down to 580
8+ lenders/investors

DSCR

Close in personal name or LLC
No income verification
Investment Only
8+ Lenders/ Investors

NON-QM

1099 Only Program
ITIN Clients
Portfolio Lenders
Common sense underwriting
AUS miss loans

HELOC

5-day closing allowed
Investment Properties
FICO down to 620
3+ Investors

One Time Close Construction

Conventional, FHA, and VA programs
3 investors

Renovation Loans

FHA 203k Renovation

Standard and Limited
Follows FHA 4000.1 no overlays
Down to 580 FICO

Fannie Mae Homestyle Renovation

1-4 unit Primary
FICO down to 620

Freddie Mac CHOICE Renovation

1-4 unit Primary
FICO down to 620

VA Renovation

Purchase or Refinance
FICO down to 580

USDA Renovation

Up to 100% LTV
FICO down to 580