Purchase Loan Programs

Residential or Commercial, full income or no income, we have it all.

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

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1% Down Payment
  • 620 Minimum Credit Score
  • Reduced Mortgage Insurance
  • Not limited to first-time homebuyers

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

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3% Down for 1st Time Buyers
  • 97 LTV – Scores as low as 620 (not FHA)
  • This is only available for first-time buyers
  • Maximum loan amount of $417,000

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VA Loans up to 100% LTV
  • Lower interest rates and upfront costs
  • Purchases and refinance options
  • Allows up to 100% financing for Veterans

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Home Ready Program
  • Down payments as low as 3 percent
  • Home Possible Mortgage Program
  • HomeStyle Renovation Program

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Home Possible Mortgage Program
  • Flexible credit terms and payment options
  • Reduced PMI requirements
  • No cash reserve requirement options

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Home Style Renovation Program
  • Available For Up To 80% LTV
  • Can Own Up To 4 Financed Properties
  • No Minimum Repair Amount Required

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Back to Work Program
  • Good credit history
  • Financing solution for the right borrowers
  • FHA loan requirements

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Co-Op Purchase Loans
  • Purchase or Refinance at 95% Financing
  • Investment Co-Op & second home Co-Ops
  • 24 years of Co-Op financing experience

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High Balance – Jumbo/Super Jumbo
  • Qualify for loan amounts up to $3 million
  • Available for self-employed borrowers
  • Cash-out refinances up to 70% LTV

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Condo Purchase Mortgages
  • 97% Financing with 640 credit scores
  • 80% Financing on investment condos
  • Non-Warrantable condos specialists

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Home Key Program
  • Loan amounts of up to $1.5 million
  • 75 LTV
  • 50 percent debt-to-income ratio

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NIVA 
  • No Income / No Employment Needed
  • Up to 65 LTV – 680 FICO
  • 1 Month Recent Bank statement

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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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