Specialized Mortgage Program
A closed-end second mortgage for primary residences available with full documentation or bank statement income verification options.
Underwriting at a glance
- Minimum FICO
- 750+
- Max LTV (purchase / rate-term)
- 70%
- Max LTV (cash-out)
- -
- Loan amount
- ? - $200,000
- Documentation
- full-doc, 12mo-bank-stmt
- States
- most states
Highlights
- •20 and 30 year terms available
- •Full doc and bank statement income options
Want to see if you qualify?
Tell us about your scenario - we'll come back with current pricing and exact guidelines.
Program guidelines and rates can change at any time without notice. Last confirmed 5/11/2026. Not a commitment to lend.
Today's mortgage rates
Conventional
5.875%
5.906% APR
FHA
5.375%
5.405% APR
VA
5.375%
5.402% APR
Conv: 80% LTV, 780 FICO. FHA: 96.5% LTV, 680 FICO. VA: 100% LTV, 680 FICO. 30-yr fixed. Your rate may vary.