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Traditional Products

  • 620 FICO with LTV up to 97%

  • High Balance Loan Amounts Available

  • Double-Wide Manufactured Homes up to 95%

  • Fannie or Freddie Approve Eligible/Accept Required

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  • 620 Minimum FICO

  • LTV up to 96.5% Purchase, 97.75% Refi

  • 30 and 15 Year Terms Available

  • 2-1 Buydown Option Available

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  • 3.5% Down Payment Assistance

  • 100% Financing In-House U/W

  • Funds Can Be Used for Down Payment or Closing Cost

  • DU/LP Approval Required

  • Allowed on Conventional, VA, and FHA

  • Conventional: Allowed to 95% LTV with 620 FICO

  • FHA: Allowed to Maximum Financing with 540 FICO

  • VA: Allowed to Maximum Financing with 540 FICO

  • 540-579 FICO with LTV up to 90% (Max 50% DTI)

  • 580+ FICO with LTV up to 96.5% (Max 55% DTI)

  • High Balance Available

  • Manual Underwrites Allowed

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  • ​640 FICO with Maximum 96.5% LTV

  • Third-Party VOE + 30 Days' Paystubs

  • Employer Must Be Verifiable

  • Lender Credit Report Required

  • 540-579 FICO with Maximum 90% LTV

  • 580+ FICO with Maximum 100% LTV

  • Loan Amounts / Cash-Out up to $1.5 Million

  • Manual Underwrites Allowed

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  • ​550 Minimum FICO

  • Up to 100% LTV/CLTV

  • Non-Traditional Credit Allowed

  • Max Ratio 29%/41%

Non-QM Products
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  • 640 Minimum FICO

  • Loan Amounts up to $3.5MM

  • Up to 90% LTV Purchase/R&T

  • Max Cash-in-Hand to $1.5MM up to 80% LTV

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  • 640 Minimum FICO

  • Purchase/R&T to 85% LTV up to $1MM

  • Cash-Out to 75% LTV up to $1MM

  • Vrbo and Airbnb Allowed

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  • 700 Minimum FICO or Foreign Credit

  • Purchase to 75% LTV

  • Cash-Out to 65% LTV

  • First-Time Investor Allowed

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  • 660 Minimum FICO

  • Loan Amounts up to $3.5MM

  • Up to 90% LTV Purchase/R&T

  • Max Cash-Out: > 60% LTV $750K, < 60% LTV Unlimited

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  • 660 Minimum FICO

  • Purchase/R&T to 80% LTV up to $1MM

  • Cash-Out to 75% LTV up to $1MM

  • Vrbo, Airbnb, HomeAway Allowed

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For Matrices, see NonQM Prime

  • 660 Minimum FICO

  • OO Purchase/R&T/Cash-Out to 80% LTV

  • NOO Purchase/R&T to 75% LTV

  • Loan Amounts up to $1.5MM

Traditional Products
Non-QM Products
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