A non-QM second mortgage program allowing homeowners to access equity without impacting their existing first mortgage rate, available with various income documentation types.

A closed-end second mortgage program offering flexible income documentation including bank statements, P&L, 1099, WVOE, DSCR, and full doc options with up to 90% CLTV.

Non-QM loan program offering flexible seasoning requirements for cash-out transactions on owner-occupied, second home, and investment properties.

VA mortgage program allowing for rental income to offset mortgage debt on investment properties using 75% of lease amounts. The program supports a maximum DTI of 65% with AUS approval or 60% for manual underwrites.

Financing for homes on Indian Leased Land, providing a path to homeownership on leasehold estates where conventional fee-simple financing is not available.

A flexible Non-QM lending program offering specialized income calculations and structuring options for complex borrower scenarios.

Residential mortgage program offering up to 90% LTV for purchase and rate-term refinances up to $2M, and 80% LTV for cash-out refinances.

VA loan program for eligible veterans and service members, now offering increased flexibility by following standard AUS findings for Approved/Eligible recommendations instead of a hard 65% DTI cap.

A second mortgage HELOC program for investment properties, offering flexible draw terms and alternative documentation options.

A non-QM jumbo loan program for self-employed borrowers that uses business bank statements to qualify, allowing for the use of a CPA letter to adjust expense ratios.

An income qualification program that allows borrowers to use eligible assets as a form of income for loan approval.

A bank statement loan program offering up to 90% LTV with credit scores starting at 620 and loan amounts up to $4 million. Features include no expense factor with a P&L letter, interest-only options, and eligibility for first-time homebuyers.

Second mortgage program available for owner-occupied, non-owner occupied, and second homes with bank statement or full documentation.

Non-QM loan program utilizing 3 to 12 months of personal or business bank statements to qualify for income.

A pricing incentive offering 86 BPS on eligible conventional and government refinance loans for borrowers with a FICO score of 680 or higher.

Residential mortgage program accepting properties with up to 4 units, including single-family homes with up to 3 ADUs, duplexes with 2 ADUs, and triplexes with 1 ADU.

A 30-year fixed standalone second lien mortgage for primary residences using 24-month bank statements for income qualification, with up to 70% CLTV.

A closed-end second mortgage program designed to help borrowers access home equity without refinancing their existing first mortgage. It supports various documentation types including full doc, bank statement, P&L, WVOE, 1099, and DSCR.

An FHA 30-year fixed purchase program offering 101.5% CLTV, including 5% down payment assistance to help cover closing costs.

A reverse mortgage program available in 35 states and DC, offering both ARM and fixed-rate options for eligible homeowners.

Financing options for manufactured homes including FHA, Fannie Mae, Freddie Mac, VA, and USDA loan programs for eligible properties.

A bridge loan program that allows borrowers to access equity in their current home to purchase a new property, featuring up to 90% CLTV and the exclusion of existing mortgage debt from the primary loan qualification.

VA Interest Rate Reduction Refinance Loan (IRRRL) featuring 5/1 ARM options and soft-pull credit checks.

A 30-year fixed rate program for primary residences and second homes that offers a temporary interest rate reduction during the first one or two years of the loan term.

Non-QM purchase loan program offering up to 90% LTV with loan amounts up to $1.5M, available for various income documentation types including bank statements and 1099s.

Mortgage program for self-employed borrowers that allows qualification using personal or business bank statements.

A financing solution for buyers with high liquidity that allows qualification based on assets rather than projected monthly income.

A bank statement loan program for self-employed borrowers offering up to 90% LTV, loan amounts up to $4M, and a minimum FICO score of 620.

Conventional purchase and refinance loan programs offering flexible guidelines, including options for HomeReady and HomePossible, with LTVs up to 97%.

Flexible income qualification program allowing the combination of W2 income with bank statements or asset depletion.

An FHA-insured mortgage program providing up to 3.5% in down payment assistance via a second mortgage, designed for purchase transactions with no first-time homebuyer requirement.

A non-QM loan program for primary and second homes that requires no income or employment verification.

FHA purchase program featuring down payment assistance and an optional 2/1 buydown, with no maximum income restrictions or first-time homebuyer requirements.

Jumbo loan program offering bank statement income qualification for primary, second, and investment properties with LTVs up to 85%.

Jumbo loan program for primary, second, and investment properties with loan amounts up to $3 million and LTVs up to 89.99%.

A flexible non-QM mortgage solution designed for borrowers with credit scores as low as 500 to help expand lending opportunities.

A 40-year mortgage program featuring a 10-year interest-only period followed by a 30-year fixed-rate term, designed to improve monthly cash flow.

Non-QM and ITIN loan programs now allowing rural properties for primary residences and second homes with specific LTV and loan amount restrictions.

Flexible second mortgage options for primary, second home, and investment properties with up to 90% CLTV and various income documentation types.

A zero-down financing option that allows for up to 101.5% LTV to cover closing costs, with no income cap and no requirement for first-time homebuyer status.

Alt Agency loan program for second homes and investment properties featuring no prepayment penalties, full documentation, and adjustable rate mortgage options.

VA loan programs for purchase, refinance, and cash-out transactions, offering up to 100% LTV for purchases and 110% LTV for IRRRL streamlines.

Jumbo loan programs eligible for February pricing specials and price improvements.

A dual-loan solution pairing a cash-out bridge loan on a departing residence with a purchase loan for a new home, with qualification based on the new purchase payment.

Flexible income qualification options including bank statements, 1099s, and tax returns for primary residences, second homes, and investment properties with loan amounts up to $3.5M.

An asset-based loan program that allows borrowers to qualify by converting liquid assets into a usable income stream, eliminating the need for traditional income or employment documentation.

A non-QM program for self-employed borrowers that uses a CPA, EA, or CTEC-prepared profit and loss statement to determine income, eliminating the need for bank statements.

A no-ratio mortgage program for primary and second-home borrowers that does not require DTI or employment verification, now offering loan amounts up to $3M.

Government and Down Payment Assistance programs including FHA, VA, and USDA with pricing improvements for April.

A non-QM program for self-employed borrowers that utilizes CPA-verified gross receipts and bank statements to qualify, requiring as little as 3 months of statements.

Closed-end second mortgage program for primary, secondary, and investment homes, offering fixed terms and cash-out options without refinancing the first lien.

Jumbo loan program for primary, second, and investment properties with loan amounts up to $3 million and LTVs up to 89.99%.

A bank statement loan program for self-employed borrowers that uses a sliding scale expense factor to determine income, allowing for larger loan amounts.

Junior lien loan program with specific restrictions for properties located in Baltimore City and Baltimore County, Maryland.

Small-balance commercial mortgage program offering 5-year ARM or 30-year fixed terms for purchase, rate-term, and cash-out refinances on Tier 1 and Tier 2 commercial properties.

Fixed-rate second lien mortgage options designed for debt consolidation, home improvements, or other financing needs without refinancing the existing first mortgage.

A 40-year fully amortized loan program available for various documentation types including full doc, alternative income documentation, and DSCR options.

A bank statement loan program for primary and second homes, designed for self-employed borrowers using 12 or 24-month personal or business bank statements.

A zero-down financing program for primary residences that allows for up to 101.5% LTV to cover closing costs, with no income caps and eligibility for 2-unit properties.

Non-QM loan programs including second liens, currently eligible for a 25 bps pricing incentive on new submissions.

A high-LTV purchase program for owner-occupied properties, including 1-4 unit homes, designed to help buyers preserve cash reserves.

Freddie Mac cash-out refinance program now offering 30-year terms for manufactured homes and allowing for the payoff of automobile leases to exclude them from DTI calculations.

A non-QM loan program utilizing 12-month business bank statements for income qualification, allowing for the inclusion of non-occupant co-borrowers to assist with loan eligibility.

Super prime loan program for investment properties and second homes offering up to 85% CLTV for qualified borrowers with FICO scores of 700 and above.

VA renovation loan program allowing borrowers to finance home improvements, now featuring updated DTI guidelines that align with standard AUS findings for Approved/Eligible recommendations.

A bank statement loan program for self-employed borrowers that allows qualification using 12 months of personal or business bank statements, or a combination of P&L and bank statements.

A simplified refinance process for existing FHA loans that requires no income verification or appraisal to help borrowers secure a lower interest rate.

Non-QM ITIN loan program for purchase and cash-out refinance, offering up to 85% LTV and loan amounts up to $1.5 million.

An FHA mortgage program featuring an interest subsidy where the seller, agent, or builder covers the interest portion of the mortgage payment for up to 10 months.

A bank statement loan program for self-employed borrowers using 12 or 24 months of personal or business bank statements to qualify.

A jumbo loan program for primary residences and second homes that utilizes AUS underwriting, with specific DTI requirements based on LTV thresholds.

Non-QM loan program for self-employed borrowers that uses 12 or 24 months of bank statements to verify income instead of traditional tax returns.

USDA loan program offering temporary interest rate buydown options including 1/0, 1/1, and 2/1 structures to lower initial monthly payments.

A second-lien home equity line of credit that allows homeowners to access equity without refinancing their existing first mortgage.

A closed-end second mortgage program designed to help borrowers access additional funding while maintaining their current first mortgage rate, featuring flexible income qualification options.

A zero-down payment mortgage program that allows for up to 101.5% financing, including closing costs, with no household income caps and no first-time homebuyer restrictions.

A price improvement offer for existing loan customers refinancing into new conventional or government-backed loans.

Long-term interest rate lock options for 270 or 365 days, applicable to new construction, lock and shop, and purchase transactions.

Government loan programs including FHA, VA, and DPA with up to 50 BPS price improvement for loans locked through May 31, 2026.

Closed-end second mortgage program available in conjunction with first liens, featuring a 25 BPS price improvement for locks through May 31, 2026.

VA loan program for veterans and eligible military personnel featuring manual underwriting, no DTI caps on AUS approvals, and options for borrowers without traditional credit scores.

A 20-year fixed standalone second lien mortgage for primary residences, offering up to 70% CLTV.

Non-QM loan program utilizing profit and loss statements for income qualification.

A flexible full-documentation non-QM loan program designed as an alternative to high-balance and jumbo conventional financing.

VA cash-out refinance loans for primary residences with credit scores as low as 580 and up to 90% LTV.

VA Interest Rate Reduction Refinance Loan (IRRRL) for primary residences with credit scores as low as 550 and up to 125% CLTV.

VA purchase and rate-term refinance loans for primary residences with credit scores as low as 580 and up to 100% LTV.

An asset-based loan program for high-net-worth individuals and retirees that uses asset depletion to qualify without requiring monthly income verification.

A pricing incentive offering 90bps on various rate and term refinance products, including conventional, jumbo, FHA, USDA, FHA Streamlines, VA IRRRLs, and VA Type 1 Cash-Outs.

A full documentation portfolio loan program for primary, second home, and investment properties with loan amounts up to $2.5 million and 80% LTV options.

FHA loan program designed for borrowers with no credit score or a credit score of zero, utilizing alternative credit documentation like rental payments to qualify.

A fixed-rate second mortgage option for homeowners seeking cash-out refinancing with full documentation requirements.

A flexible non-QM mortgage program designed for borrowers with credit scores as low as 500.

VA portfolio financing designed for veterans with limited credit or previous credit challenges.

FHA portfolio financing designed for borrowers with limited credit or previous credit challenges.

A conventional cash-out refinance program allowing up to 89.99% LTV without the requirement for mortgage insurance.

Income qualification program using profit and loss statements instead of bank statements.

Bank statement program for self-employed borrowers requiring only 3 months of statements with up to 90% LTV.

A refinance program for government-backed loans offering a pricing incentive for eligible transactions.

A refinance program for conventional loans offering a pricing incentive for eligible transactions.

A Non-QM cash-out refinance program that allows borrowers to refinance immediately after purchase without a waiting period, applicable to both primary and investment properties.

A down payment assistance program featuring a 3-year forgiveness term for eligible borrowers.

A non-QM program for self-employed borrowers requiring only one year of self-employment history and qualifying with 12 months of bank statements and the previous year's W-2.

VA mortgage program offering competitive pricing for eligible veterans and military personnel.

A bank statement loan program designed for self-employed borrowers, now featuring a minimum FICO score requirement of 660.

Non-QM loan programs specifically structured for debt consolidation to help borrowers manage high-interest debt.

VA purchase loan program featuring a temporary pricing improvement of 25 basis points for locks initiated through May 31st, 2026.

An FHA 30-year fixed purchase program offering 101.5% CLTV, including 5% down payment assistance to help cover closing costs for primary residences.

A Non-QM program featuring a simplified 4-question Streamline WVOE for income qualification, available for purchase, refinance, and investment properties.

A second mortgage loan program designed for borrowers to access home equity without refinancing their existing first mortgage, suitable for debt consolidation, home renovations, or investment purposes.

A bridge loan program designed to help homeowners purchase a new property before selling their current home, facilitating a smoother transition between residences.

A down payment and closing cost assistance program for Freddie Mac Home Possible or Home One mortgages, offering up to $1,500 in non-repayable assistance based on income and property location.

FHA 203K renovation loans for 1-4 unit properties, including manufactured homes and PUDs, available in both Limited and Standard options.

Government-backed mortgage program for veterans and eligible military personnel offering competitive pricing and flexible underwriting terms.

A closed-end second lien mortgage program allowing borrowers to access home equity without refinancing their existing first mortgage, available for primary, secondary, and investment properties.

A non-QM loan program for self-employed borrowers that uses 12 months of bank statements to verify income, suitable for primary residences, second homes, and investment properties.

A home equity line of credit allowing homeowners to access up to $750,000 in equity with fast funding timelines.

A non-QM bank statement loan program for self-employed borrowers, featuring streamlined digital submission and automated income calculation.

A non-QM loan program for self-employed borrowers that uses profit and loss statements for income qualification instead of tax returns or bank statements.

An asset-based income qualification program for primary, second, and investment properties that allows borrowers to use liquid assets to qualify without traditional employment income.

A non-QM loan program for self-employed borrowers using bank statements to verify income with a 25% default expense ratio.

A non-QM loan program designed for self-employed borrowers that utilizes profit and loss statements instead of bank statements.

A closed-end second lien program that allows borrowers to access equity in primary residences, second homes, and investment properties without refinancing their first mortgage. It offers flexible income documentation options or DSCR qualification.

Alternative documentation loan program offering 12-month bank statement options up to 90% LTV, asset depletion, and P&L options.

Non-QM loan program for ITIN borrowers, DACA recipients, permanent residents, and US citizens with flexible income documentation and no DTI cap.

FHA and VA loan programs available with credit scores as low as 500, including options for no credit score and streamlined refinances with no income or employment verification.

Bank statement loan program for self-employed borrowers featuring flexible expense factors and no requirement for a CPA letter.

A specialized loan program for non-warrantable condominiums, including projects with active litigation, high non-owner occupancy, or commercial use.

An FHA-based down payment assistance program offering up to 101.5% CLTV to cover down payment and closing costs, with no first-time homebuyer requirement.

Government-backed FHA and VA loan programs with tiered pricing improvements based on program selection and borrower credit profile.

A 30-year fixed-rate FHA loan program designed for speed, featuring same-day underwriting for borrowers with credit scores of 660 and above.

Pricing incentives for Freddie Mac BorrowSmart, HomeReady, and Home Possible loans, including specific credits for first-time homebuyers with income at or below 50% of the Area Median Income.

A no-income, no-doc, no-ratio loan program designed for borrowers who do not meet traditional underwriting guidelines. It supports purchase, rate/term, and cash-out transactions with loan amounts up to $3M.

A non-QM loan program for self-employed borrowers that uses unaudited profit and loss statements to verify income instead of bank statements or tax returns.

Non-QM loan program for ITIN borrowers offering up to 85% LTV for purchases and 65% LTV for cash-out refinances with loan amounts up to $1.5 million.

Loans for properties purchased for hunting, recreation, or future use, accommodating unique characteristics like larger acreage and limited improvements.

Financing for rural properties and land use that does not align with standard mortgage programs, including properties that may not operate as full-scale agricultural businesses.

A non-QM bank statement loan for self-employed borrowers requiring only 12 months of bank statements to qualify, with no tax returns needed.

VA loan program offering increased loan limits for one-unit properties ahead of the official 2026 FHFA announcement.

High-balance jumbo loan program for primary, second, and investment properties with loan amounts up to $3.5 million.

High-LTV jumbo loan program for primary, second, and investment properties with loan amounts up to $3 million.

Jumbo loan program for primary, second, and investment properties with loan amounts up to $3 million, available for purchase and refinance.

A specialized mortgage program for medical professionals offering 100% financing with no private mortgage insurance (PMI) and flexible treatment of student loan debt.

Manual underwriting for government loan programs accepting FICO scores below 580.

A standalone digital home equity line of credit designed for streamlined processing and quick access to home equity.

Refinance options for FHA and VA borrowers with no FICO score requirements, offering competitive pricing for streamline and IRRRL transactions.

A bank statement loan program for self-employed borrowers using 12 months of personal or business bank statements to qualify.

VA purchase loans featuring seller-paid buydowns to provide a lower interest rate for the first 12 or 24 months.

Flexible manual underwriting for USDA loans, allowing for approvals that do not meet standard AUS requirements.

A non-QM loan program for self-employed borrowers that uses a 12-month P&L statement prepared by a professional instead of tax returns to verify income.

Conventional loan program offering increased loan limits for 1-4 unit properties ahead of the official 2026 FHFA announcement.

A limited documentation Non-QM program that allows borrowers to qualify using a simplified written verification of employment form without requiring detailed income breakdowns.

A flexible Non-QM program that allows borrowers to combine multiple income sources including W2, 1099, rental, and bank statements to qualify for higher loan amounts without requiring tax returns.

FHA streamline refinance program requiring no income documentation with FICO scores starting at 580.

FHA purchase loan program for primary residences with flexible credit requirements and options for manual underwriting.

A 5/1 adjustable-rate mortgage designed for homebuyers planning to move or refinance within the next five to seven years, offering a lower initial interest rate to increase buying power.

A down payment assistance program offering a 2% grant that is instantly forgiven with no liens, repayment, or recapture requirements.

ITIN loan program available for primary residences, second homes, and investment properties.

Bank statement loan program that does not require tax returns, with income calculated by the lender prior to submission.

Non-QM first lien mortgage program offering flexible financing solutions for various borrower profiles.

A comprehensive suite of Non-QM loan products including bank statement, DSCR, P&L only, and ITIN options with up to 85% LTV and loan amounts up to $4 million.

Bank statement loan program for self-employed borrowers allowing up to 90% LTV with 12-month bank statement documentation.

Non-QM loan program utilizing profit and loss statements for income qualification with upgraded LTV options for owner-occupied and non-owner-occupied properties.

A down payment assistance program featuring a forgivable second mortgage to help borrowers with home purchase costs.

A zero-down financing program that allows for up to 101.5% LTV to include closing costs, with no income cap and no requirement for first-time homebuyers.

A promotional offer providing an additional 25 basis points of pricing improvement on all Non-QM first lien loans locked during the month of November.

Adjustable-rate mortgage programs for Non-QM borrowers, featuring 5/6 and 7/6 SOFR options with rate caps.

Profit and Loss only loan program for self-employed borrowers with LTVs up to 90%.

A bridge loan for a departing residence that allows homeowners to access equity before their home sells, providing flexibility to secure financing for a new property.

A suite of Non-QM loan products available through a non-delegated correspondent channel, offering full underwriting, disclosure, and document preparation support.

A reverse mortgage alternative offering more flexible terms than traditional HECM loans, including higher lending limits and lower age requirements.

A non-QM loan program for condotel properties, offering flexible financing options for purchase, rate-term, and cash-out transactions for both primary residences and investment properties.

Conventional loan program for primary, secondary, and investment properties with flexible terms from 10 to 30 years and no minimum FICO requirement subject to AUS approval.

A 30-year fixed rate mortgage program featuring a 12-month buydown period where the seller covers the cost to provide a lower interest rate for the first year.

A 30-year fixed rate mortgage program featuring a 24-month buydown period where the seller covers the cost to provide a lower interest rate for the first two years.

Non-QM loan program offering competitive pricing with a special 100 BPS incentive for loans locked between March 10, 2026, and March 20, 2026.

A non-QM mortgage product designed for borrowers who may not meet traditional lending criteria.

Jumbo loan program for primary, second, and investment properties with loan amounts up to $3.5 million and LTVs up to 90%.

A down payment assistance program for first-time homebuyers in California, requiring at least one first-generation borrower and adherence to specific income and eligibility guidelines.

A construction-to-permanent financing solution that combines construction and permanent loan phases into a single closing to save on costs and simplify the process.

Down payment assistance program specifically designed for FHA loans requiring manual underwriting.

A fixed-rate second lien program for primary residences using 12 or 24 months of bank statements for income qualification, with credit scores from 680.

A first-lien home equity line of credit that allows borrowers to access equity without replacing their existing mortgage.

Fannie Mae and Freddie Mac conforming and high balance loan programs offering temporary interest rate buydown options including 1/0, 1/1, 2/1, and 3/2/1 structures.

Bank statement loan program for self-employed borrowers using 12 months of personal or business bank statements to qualify.

VA loan program offering temporary interest rate buydown options including 1/0, 1/1, 2/1, and 3/2/1 structures to lower initial monthly payments.

FHA loan program offering temporary interest rate buydown options including 1/0, 1/1, 2/1, and 3/2/1 structures to lower initial monthly payments.

Financing options for manufactured homes including FHA, Fannie Mae, Freddie Mac, VA, and USDA programs for properties meeting specific HUD and foundation requirements.

A zero-down financing program that allows for up to 101.5% LTV to cover closing costs, available to both first-time and repeat homebuyers with no income caps.

A fixed-rate second lien program for primary, secondary, and investment properties with full documentation, credit scores from 660, and loan amounts up to $500,000.

Alternative documentation mortgage program for non-QM borrowers, allowing for lock-in prior to full underwriting approval.

A non-QM loan program for 1099 earners that allows for income qualification using 1099 statements with up to 90% LTV.

Jumbo loan program for high-balance financing with interest-only options available.

A loan program allowing for cash-out refinancing shortly after a property purchase, subject to specific LTV limitations based on market conditions and property valuation.

A promotional incentive offering 50 basis points on eligible purchase loans for borrowers with a FICO score of 700 or higher.

A non-QM loan program for self-employed borrowers and contractors using 1099 income, featuring no minimum time requirement for 1099 pay structure.

A non-QM mortgage product designed for borrowers who may not meet traditional lending criteria.

Non-QM loan program for self-employed borrowers using bank statements to verify income with down payments as low as 10%.

FHA down payment assistance program designed to help borrowers overcome affordability challenges with high CLTV options.

A bridge loan solution for move-up buyers that allows them to purchase a new home first, helping to avoid DTI qualification issues and enabling stronger, non-contingent offers.

Closed-end second mortgage program allowing borrowers to access home equity without refinancing their existing first mortgage.

Non-QM loan programs now featuring no seasoning requirements for cash-out refinances and expanded eligibility for agricultural properties on an exception basis.

Non-QM loan program for self-employed borrowers using bank statements to verify income, featuring fast income calculations.

An FHA-insured renovation loan that enables borrowers to finance the purchase and renovation of a home with a single loan.

A bank statement loan program for self-employed borrowers that requires no tax returns and allows for qualifying income based on gross receipts or business deposits.

ITIN loan program for purchase and rate-term refinances with options for self-employed or W-2 borrowers, as well as DSCR options for investment properties.

A flexible non-QM and DSCR program supporting ITIN borrowers, foreign nationals, and offering cash-out options for manufactured homes with no seasoning requirements.

A non-QM first lien program for owner-occupied properties offering flexible documentation and expanded guidelines.

USDA rural development loans offering up to 100% LTV with competitive pricing and a streamlined process.

VA Interest Rate Reduction Refinance Loan (IRRRL) with LTVs up to 110% and loan amounts up to $1.5 million.

Financing solutions for commercial agricultural properties that generate income, tailored to the specific operational needs of the borrower.

A non-QM loan program utilizing a Written Verification of Employment (WVOE) to qualify borrowers without the need for W2s, tax returns, or paystubs.

Financing for manufactured homes built after June 15, 1976. This program does not offer cash-out or equity options.

A renovation loan program that allows borrowers to finance both the purchase and renovation costs of a property in a single mortgage.

A non-QM loan program for 1099 earners that qualifies borrowers using up to 90% of gross 1099 income without requiring tax returns.

A variety of non-QM loan options including closed-end seconds, DSCR, and jumbo products with pricing improvements for the month of May.

Conventional mortgage programs for 1-4 unit properties, updated to reflect current Fannie Mae and Freddie Mac property insurance and deductible requirements.

VA loan program for eligible veterans and service members with credit scores starting at 680.

A stand-alone or piggyback second lien mortgage solution that allows borrowers to access home equity without refinancing their existing first mortgage.

ITIN loan program for borrowers without a social security number, offering up to 85% LTV.

A 101.5% financing program that allows for closing costs to be included in the loan amount, with no first-time homebuyer requirement and no income caps.

VA Interest Rate Reduction Refinance Loan (IRRRL) available with soft credit pull options.

FHA loan program with a minimum FICO score of 550, supporting Refer/Eligible findings and up to 101.5 CLTV.

VA loan program with a minimum FICO score of 580, allowing for manual underwrites and AUS approvals.

A streamlined FHA 203(b) program for W-2 wage earners with high credit scores, offering competitive pricing for DU approved loans.

Non-QM loan program utilizing profit and loss statements for income qualification with LTVs up to 85%.

Alternative income documentation program for self-employed borrowers using bank statements to verify income instead of tax returns.

Flexible Non-QM second mortgage solutions for self-employed and complex borrowers with loan amounts up to $1MM and CLTV up to 85%.

Hard money financing solutions for real estate investors and buyers, including options for mobile homes, rural homes, and land.

A closed-end second mortgage for primary residences available with full documentation or bank statement income verification options.

Non-QM loan programs including DSCR for 5-8 units and Jumbo options with pricing improvements available for April.

A specialized jumbo loan program designed for medical professionals, offering loan amounts up to $2 million.

A non-QM loan program for self-employed borrowers that uses CPA-prepared profit and loss statements for income documentation, eliminating the need for bank statements.

An FHA-backed renovation loan offering low down payment options and flexible credit guidelines, suitable for first-time and moderate-income buyers.

A conventional renovation loan program that allows for financing of primary residences, second homes, and investment properties with a wide scope of eligible renovation projects.

Bank statement loan program for self-employed borrowers with options up to 90% LTV.

A Non-QM program for borrowers with credit scores as low as 500, offering loan amounts up to $1.2 million for primary residences and investment properties.

A no-income, no-employment verification loan program for primary and second homes with no cash-out seasoning requirements.

A bank statement program for primary and second homes that qualifies borrowers using summary pages with no full statement review or deposit sourcing.

Fixed-rate second lien mortgage options for primary, second, and investment properties, allowing borrowers to access equity without refinancing their existing first mortgage.

A flexible HELOC program for primary, second homes, and investment properties with up to 95% CLTV and no initial draw requirement.

FHA mortgage program for purchase and refinance transactions offering flexible credit requirements, including manual underwriting and options for lower credit scores.

A non-QM loan program for self-employed borrowers that uses unaudited profit and loss statements for income qualification, requiring no bank statements or tax returns.

USDA rural development loans for primary residences offering 100% LTV and high balance options.

VA Interest Rate Reduction Refinance Loan (IRRRL) for primary residences with up to 110% LTV.

VA cash-out refinance program for primary residences with flexible LTV and loan amount tiers.

VA purchase loans for primary residences offering up to 100% LTV and loan amounts up to $1.5 million.

FHA cash-out refinance options for primary residences with manual underwriting available.

FHA Streamline refinance program requiring no income documentation for eligible borrowers.

FHA purchase loans for primary residences with flexible credit requirements starting at 550 FICO.

USDA loan program offering 101% financing with zero down payment for eligible rural properties, featuring fast closing times.

Investment property loan program utilizing asset depletion for income qualification.

Investment property loan program utilizing profit and loss statements for income qualification.

Conventional loan options now support both FICO and VantageScore credit scoring models, allowing borrowers to potentially qualify for better pricing based on the more favorable score.

VA purchase mortgage program offering 100% financing for eligible veterans with credit scores as low as 580 and loan amounts up to $1.5 million.

Conventional loan program for investment properties and second homes featuring no prepayment penalties and competitive pricing.

Conventional loan program for second homes and investment properties featuring no prepayment penalties and flexible documentation.

Financing solutions for condo projects that do not meet standard Fannie Mae or Freddie Mac guidelines, including those with litigation, high commercial space, or investor concentration.

Standard 30-year fixed-rate FHA mortgage program available for borrowers with credit scores starting at 660.

A proprietary optimization tool that evaluates reserves, FICO, DTI, LTV, and residual income to potentially improve LTV and pricing on Non-QM loans.

Non-QM loan program for non-permanent resident aliens with updated requirements for Visa and EAD card expiration timelines.

Jumbo loan program for primary, second, and investment properties with loan amounts up to $3 million, allowing non-warrantable condos.

Jumbo loan program for primary, second, and investment properties with loan amounts up to $3 million and flexible DTI requirements.

High-balance jumbo loan program for primary, second, and investment properties with loan amounts up to $3.5 million.

Jumbo loan program for primary, second, and investment properties with loan amounts up to $3 million, offering bank statement or full documentation options.

A non-QM bank statement program for self-employed borrowers that uses 12 months of bank statements to calculate income and allows for as little as 10% down.

A zero down payment mortgage program that allows for up to 101.5% financing to cover closing costs, with no income cap and a minimum FICO score of 600.

A fixed-rate second lien program for primary residences using 12 or 24-month bank statements for income qualification, with credit scores starting at 680.

A fixed-rate second lien program offering up to 85% CLTV for primary and secondary homes, and 75% CLTV for investment properties, with credit scores starting at 660.

A non-QM second mortgage program offering up to 90% CLTV for primary, second home, and investment properties with flexible income documentation options.

A flexible, fully amortized HELOC solution for primary, second home, and investment properties with loan amounts up to $750,000 and fast funding in as little as 5 days.

Prime mortgage program for first and second liens with updated LTVs for P&L only documentation and expanded eligibility for rural properties and first-time homebuyers.

A closed-end second lien loan option that supports various income documentation types or DSCR qualification for cash-out needs.

A flexible Non-QM program offering full income, alternative income, and DSCR documentation options with fixed, adjustable, and interest-only rate structures.

An asset depletion program that calculates qualifying income by dividing eligible liquid assets by 60 months, with no disbursement plans or minimum age requirements.

A temporary rate buydown program that provides a 1% interest rate reduction for the first 12 months of the loan term on purchase transactions.

VA cash-out refinance program for primary residences with FICO scores from 580 and up to 90% LTV.

VA streamline refinance program for existing VA loans allowing up to 110% LTV/CLTV with FICO scores from 580.

VA purchase and rate-term refinance loans for primary residences with FICO scores as low as 580 and up to 100% LTV.

A non-QM loan program for self-employed borrowers that uses 12 months of bank statements to qualify for income, requiring no tax returns.

Prime Jumbo loan program featuring loan amounts up to $3.5M, LTVs up to 89.99%, and utilization of true blended ratios.

Prime Jumbo loan program offering loan amounts up to $3.5M with LTVs up to 90% and a maximum DTI of 50%.

A non-QM bank statement program for service and tip industry workers that uses 12-24 months of bank deposits to calculate income without requiring tax returns.

A Non-QM loan program for borrowers with credit scores as low as 500, offering financing up to $1.2 million for primary residences.

A second mortgage taken out concurrently with a purchase loan to help borrowers avoid mortgage insurance or eliminate the need for a jumbo loan.

A closed-end second mortgage providing a lump sum with a fixed rate and term, utilizing existing home equity for purposes such as debt consolidation or home improvements.

A closed-end second lien mortgage program available for owner-occupied, second home, and investment properties with fixed-rate terms of 10, 20, and 30 years.

Conventional loan program with no minimum FICO score requirement, provided there is 20% down and AUS approval.

FHA and VA loan programs allowing manual underwriting down to a 580 FICO score with no pricing hits.

Down payment assistance program offering up to 101.5% CLTV with both repayable and forgivable options.

A purchase-only program for primary residences that provides down payment and closing cost assistance on 30-year fixed mortgage options.

A Non-QM loan program for borrowers with credit scores as low as 500, offering purchase, rate/term, and cash-out options with loan amounts up to $1.2M.

Income qualification program based on IRA account balances calculated over 36 months with no age or distribution history requirements.

Asset-based income qualification program using liquid assets and investment accounts to calculate monthly income over 60 months.

Non-QM program for 1099 earners using 1 year of 1099 documentation and check stubs to verify income trends.

Non-QM bank statement program for primary residences allowing business or personal statements with no tax transcripts required.

Prime mortgage program for owner-occupied and non-owner occupied properties featuring P&L only options and DSCR options with no ratio requirements.

A non-QM second mortgage program allowing borrowers to access home equity without impacting their existing first mortgage rate. Available with various income documentation types including bank statements, P&L, 1099, WVOE, DSCR, and full documentation.

A non-QM bank statement program offering 12 or 24-month income documentation options for self-employed borrowers, accepting personal, business, and co-mingled accounts.

A non-QM lending solution designed for borrowers who do not meet traditional agency guidelines, including self-employed individuals and those with complex income scenarios.