Available Loan Options
Conventional Loans
Fixed and ARM’s
- Cash out and no cash outs
- Max LTV up to 95% for fixed loans, 95% LTV on ARM’s
- Non occupying co borrower’s allowed
FHA Loans
- Up to 97.75% LTV
- FHA streamline program available
- Manual underwrite available for certain scenarios
- Credit scores as low as 500
Renovation Loans
Conventional and 203k (FHA)
- Combine current mortgage payoff with renovation costs
- Renovation costs limited to 50% of estimated future value of the home
- Appliances and luxury items can be included in most cases
VA Loans
- The best VA loan terms in the industry!
- VA cash out refinance to 100% LTV
- VA interest rate reduction (IRRRL)
- VA funding fee waived if veteran is disabled (no minimum percentage)
- VA jumbo loans over $1 million
Second or Vacation Home Loans
- No rate bump. Same rate as primary residence
- Cash out up to 75% LTV
Investment Property Loans
Conventional and Conventional Renovation
- Up to 10 properties per borrower
- Market rent used as income for subject property even if subject in not rented
- Cash out on appraised value after 6 months from purchase
- Delayed Financing Option available within 6 months from purchase
