Discover our Full Line
Drive Growth with Our Full Suite
of Mortgage Loan Offerings
Standard Conventional Conforming & High-Balance
A versatile product for well-qualified borrowers purchasing or refinancing a primary, second home, or investment property.
- Minimum 620 FICO (varies by scenario)
- Down payments as low as 5%
- Fixed terms available: 10, 15, 20, 25, and 30 years
- Temporary buydowns available (1-0, 1-1, 2-1, 3-2-1 options)
- High-Balance available in eligible counties
- Ideal for borrowers with strong credit and steady income
HomeReady® and HomePossible®
Affordable housing solutions designed for low-to-moderate-income borrowers with flexible qualification standards.
- Minimum 620 FICO
- Down payments as low as 3%
- Reduced mortgage insurance and income-based flexibility
- Allows gift funds, community seconds, and co-borrowers
- Fixed terms: 10, 15, 20, 25, and 30 years
- Temporary buydowns permitted
- Great fit for first-time buyers or those with limited down payment
FHA
Government-insured financing offering flexible credit and down payment requirements.
- Minimum 600 FICO
- Down payments as low as 3.5%
- Manual underwrites permitted
- Available for purchase, rate/term refinance, and streamline refinance
- High-Balance available
- Fixed terms: 15- and 30-year
- Temporary buydowns allowed
- Ideal for first-time buyers or borrowers with limited credit history
VA
Exclusive benefits for eligible veterans, active-duty service members, and surviving spouses.
- Minimum 600 FICO
- Up to 100% financing with no mortgage insurance
- Manual underwrites permitted
- Available for purchase, rate/term refinance, and IRRRL (streamline)
- High-Balance available
- Fixed terms: 15- and 30-year
- Temporary buydowns allowed
- Flexible guidelines and no down payment required for most borrowers
USDA
A zero-down program for eligible rural and suburban borrowers meeting income and property requirements.
- Minimum 620 FICO
- Up to 100% financing
- Manual underwrites permitted
- Available for purchase and rate/term refinance
- Fixed term: 30-year only
- Temporary buydowns allowed
- Great for borrowers seeking affordable homeownership in rural areas
Jumbo
For borrowers financing loan amounts above conforming and high-balance limits, with flexible solutions for strong credit profiles.
- FICO typically 700+
- Down payments starting at 10% (varies by loan amount)
- Purchase, rate/term, and cash-out options available
- Fixed options available
- Competitive pricing for high-net-worth borrowers
Specialty - Reverse Mortgage
HECM (Reverse Mortgage)
- Tailored for homeowners 62 and older, allowing them to convert home equity into income or eliminate monthly payments.
- No monthly mortgage payments required (borrower remains responsible for taxes and insurance)
- Fixed and adjustable options available
- Purchase and refinance transactions allowed
- Great for seniors seeking cash flow flexibility or to age in place
Looking for a specific product or program?
Contact your account executive to find out more!