Specialized Mortgage Program
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.
Underwriting at a glance
- Minimum FICO
- 660+
- Max LTV (purchase / rate-term)
- 85%
- Max LTV (cash-out)
- -
- Loan amount
- $75,000 - $500,000
- Documentation
- full-doc
- States
- most states
Highlights
- •Up to 85% CLTV on primary and secondary homes
- •Up to 75% CLTV on investment properties
- •AVM only appraisal in some scenarios
- •10, 15, 20, and 30-year fixed rate terms
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 5/9/2026. 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.