Products & Programs

In the dynamic world of mortgage lending, the key to success lies in versatility and adaptability. At Lending Heights Mortgage, we understand this deeply. That's why we've curated an expansive range of mortgage products, rivaling and often surpassing what's available at major retail mortgage banks.

0% Down Purchase

  • These loans follow either Home Possible® or HomeOne® 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