Specialized Mortgage Program
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.
Underwriting at a glance
- Minimum FICO
- 600+
- Max LTV (purchase / rate-term)
- 85%
- Max LTV (cash-out)
- 85%
- Loan amount
- ? - $750,000
- Documentation
- alt-doc
- States
- most states
Highlights
- •Available in 1st, 2nd, or 3rd lien positions
- •Lightning-fast funding as fast as 5 days
- •Direct debt payoff available
- •No condo approval required
- •Appraisal only required for loans over $400K
- •Fully amortized loan structure
- •Online prequalification and approvals in about 5 minutes
- •Funding as fast as 5 days
- •Appraisal only required for loans over $400,000
- •Electronic income verification
- •Up to 90% CLTV available
- •1st or 2nd lien position on primary residence
- •Investment properties and 2-4 units eligible
- •Properties owned by an LLC are eligible
- •No prepayment penalty
- •FICOs down to 640
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 9/3/2026. Not a commitment to lend.
Today's mortgage rates
Conventional
6.250%
6.288% APR
FHA
5.750%
5.780% APR
VA
5.750%
5.780% APR
Conv: 80% LTV, 780 FICO. FHA: 96.5% LTV, 680 FICO. VA: 100% LTV, 680 FICO. 30-yr fixed. Your rate may vary.