Loan Programs

We help you choose the right loan program to fit your needs.

Conventional Loans
  • Lowest interest rates available
  • For borrowers with strong credit history
  • Usually requires 20% down payment

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W2 Transcripts Only
  • W-2 transcript processing
  • Apply for conventional, FHA and VA loans
  • Save time, apply today!

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Jumbo Mortgages 
  • Jumbo Program- 90 LTV
  • Primary residences up to $3 million
  • Cash-Out to Borrower up to $750,000

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FHA Loans
  • Low Down Payment, Flexible Sources.
  • Optional Mortgage Insurance
  • Simple Qualifications

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Construction Loans
  • Available For Up To 80% LTV
  • Own Up To 4 Financed Properties
  • No Minimum Repair Amount Required

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Home Ready Loans
  • Suitable for all borrowers
  • Available for higher loan amounts
  • Refinances up to 95 percent loan-to-value

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Bank Statement Program
  • Personal or Business Bank Accounts
  • Separate Personal and Business Accounts
  • Decision is based on 12 month Deposits

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No Income Check Mortgage
  • No Tax Returns Required
  • No Pay-Stubs Required
  • No W2’s Required

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Foreign Nationals Program
  • Purchase and refinance options
  • No penalties for pre-payments
  • Credit score: 680 FICO

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Reverse Mortgage
  • Never make a payment
  • Must be 62 and over
  • No Income or Credit check needed

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Investment Coops
  • Competitive interest rates
  • Reasonable loan terms
  • Fast approval

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Non-Warrantable Condos
  • Competitive rates
  • Less strict guidelines
  • Non-Agency and our Non-QM programs

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USDA Loans
  • United States Department of Agriculture
  • Rural Development Guaranteed Housing
  • No down payment loan!

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Co-Op Mortgages
  • Low-interest, fixed-rate coop mortgages
  • Refinance into an affordable loan
  • Purchase a co-op with reasonable terms

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Doctor Mortgage Programs
  • Primary Residence Only
  • Purchase or Rate and Term Refinance
  • Great Home Loan Option for Doctors

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90% LTV to 1 Million with no MI
  • Available for first-time homebuyers
  • Purchase loans up to $1 Million
  • Minimum FICO credit score of 680

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Jumbo Co-Op Loans
  • Minimum 700 credit score
  • Up to 85% combined loan-to-value
  • Single family homes and condos

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Interest Only Program
  • Pay off the mortgage in one lump sum
  • Refinancing a loan
  • Loan amounts up to $1 million

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Home Possible Mortgage Program
  • Flexible credit and payment requirements
  • Significantly reduced PMI requirements.
  • No cash reserves on one-unit properties

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FHA 203k Loan
  • Buy and renovate at the same time
  • Qualifying credit scores as low as 550
  • Close before work completed

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Simultaneous Closing
  • Available for primary residences
  • 30-year HELOC
  • Second homes with CLTV < 85 percent

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Investment Properties
  • Loan amounts from $100,000 to $2,000,000
  • Unlimited financed properties
  • Seller contributions up to 6%

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Stated Income on Primary Residences
  • No 4506 or 4506t required
  • Salaried borrowers are permitted
  • Requires 50% down payment

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Portfolio Investor Program
  • Gift funds and Gifts of Equity allowed
  • Unlimited cash-out
  • No verification of income or employment

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Hotel Financing
  • Interest-only financing is available
  • Maximum loan amount is $3 million
  • 5/1 or 7/1 ARMs & 30-year payments

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P & L Only
  • Applicants need not produce tax returns
  • Up to $500,000 cash back
  • Entire down payment may be a gift

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Manufactured Home Financing 
  • 30-year fixed-rate loan
  • Lower PMI requirements
  • No-repayment grant options

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Jumbo Loans up to 95% Financing
  • LTVs up to 95%
  • No Mortgage Insurance – ever!
  • Cash-out refinancing available

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Multifamily Bridge Loans
  • Senior housing facilities
  • Student housing
  • Apartment buildings

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Fix To Rent Loans
  • Attractive and competitive interest rates
  • LTV ratio up to 75%
  • $75,000 minimum loan amount

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Lite-Doc Loans
  • Minimum 680 scores required
  • Max loan amount $2.5mm
  • Max 65% Financing

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Mortgage Calculator

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Amortization Calculator

As you evaluate different mortgage options, it’s important to understand what your monthly payment will be and how much interest you could pay over time. This calculator can help you choose the mortgage that is right for you.

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