HELOC

Doctor Loan

⚡️ Doctor Loan Highlights ⚡️It is a specialized mortgage program designed for medical professionals such as doctors, residents, fellows, and dental professionals.It allows for 100% financing with no down payment required, which can be beneficial for those with high student loan debt.Borrowers can qualify with just employment contract or credible offer letter as income documentation, without having to provide extensive financial statements.No mortgage insurance is required, potentially saving thousands of dollars over the loan's lifetime.Eligible medical professionals include medical doctors (MDs), doctors of dental surgery (DDSs), doctors of dental medicine (DMDs), doctors of optometry (ODs), doctors of podiatric medicine (DPMs), and doctors of osteopathic medicine (DOs).The program is available for purchasing a primary residence, second home, or investment property.

Reverse Mortgage

USDA Loan

Community Hero Loan

Program Overview:Down Payment Assistance: The program provides a completely forgivable grant equal to 2% or 3.5% of the purchase price of the home.Seller Concessions: It can be combined with up to 6% seller concession for closing costs.No Resale Restrictions: There are no restrictions on reselling the property.Credit Score Requirements: A minimum qualifying credit score of 620 is required.Underwriting and Approvals: The program uses TOTAL Scorecard and Desktop Underwriter (DU) for underwriting. It requires "Approve/Eligible" recommendations from DU, and manual underwrites are not permitted.Eligible Loan Terms: The program is available for 30-year fixed-rate mortgages.Transaction Types: It is applicable only for purchase transactions, and borrower paid compensation is allowed.Loan-to-Value (LTV) Limits: The maximum LTV limit is 96.50%.Debt-to-Income (DTI) Ratio: The maximum DTI allowed is 48.99%.Property Types: Eligible property types include 1-2 unit primary residences, manufactured housing, approved condos, and Planned Unit Developments (PUDs).Geographic Availability: The program is available in most states except Washington.Borrower Eligibility: To be eligible, the borrower must meet one of the following criteria: First-Time Home Buyer, Current/Retired Employment or Volunteer/Non-Paid Member (e.g., military, first responders, educators, medical personnel, civil servants), income equal to or less than 140% of the state or county median income, or if the property is in an Underserved Census Tract.Appraisal Fee Credit: In Wisconsin, up to $700.00 of the appraisal fee must be credited back to the borrower towards closing costs.Homebuyer Counseling: Borrowers are required to complete a HUD-approved Homebuyer Education Workshop or Pre-purchase Counseling.Additional Disclosures: There are specific disclosures required for this program, including the DPA Assistance Application, DPA Grant Letter, and Program/Consumer Disclosure.Non-Occupant Co-Borrowers: The program allows non-occupant co-borrowers.State/County Median Income Tool: HEREUnderserved Census Tract Look up: HERE

Temporary Buy Down Program

⚡️Temporary Buydown Highlights ⚡️ • 30 year Fixed Rate Mortgages • Primary Residences only • Single Family Residences, PUD and Condos • FNMA, VA, and FHA only – No DPA allowed • Purchase Transactions only • Term: 24 months (2-1) • Borrower(s) are Qualified off Note Rate not buydown rate • Buydown cost is paid by Seller/Builder concessions • Seller Concessions: Max 6% on FHA, Max 4% on VA Max 6% up to 90% FNMA Max 3% greater than 90% FNMA * Not available for Manually Underwritten Loans on FHA. ⚡️Temporary NONQM Buydown Highlights ⚡️ Non-QM buydowns give borrowers a reprieve from a higher rate during the first two years of their loan, helping a home purchase budget go farther. 30 year fixed rate only Allowed on primary residence, investment and 2nd homes Purchase transactions only, not permitted on refinances Permitted on 1-2 Unit Single Family Residence, PUD and Condo only Seller/Builder paid only Standard Interested Party Contribution guidelines apply 2-1 Buydown: - 24 month term - Initial interest rate is temporarily reduced by no more than two (2) percent below the note rate for year one (1) and reduced by no more than one (1) percent below the note rate for year two (2). The non-reduced note rate applies for years three (3) through thirty (30). 1-0 Buydown: - 12 month Term - Initial interest rate is temporarily reduced by no more than one (1) percent below the note rate with the non-reduced note rate applying for years two (2) through thirty (30).

VA Loan Program

⚡️VA Highlights ⚡️All Primary ResidenceProgram Highlights:All Primary Residence• 580 Min FICO• Manual U/W allowed (50% Max DTI)• Cash Out to 100% LTV w/ Min 600 FICO up to $1mm• Cash Out to 90% LTV w/Min 580 FICO up to $1mm• No DTI Overlays w/ AUS Approval• Manufactured Homes Allowed• NOO IRRRL’s allowed

FHA Loan Program

⚡️FHA Highlights ⚡️An FHA loan, insured by the Federal Housing Administration and issued by FHA-approved lenders, is designed for low-to-moderate income borrowers. Key points for homebuyers or homeowners include:Eligibility: Suitable for individuals with lower credit scores and low-to-moderate incomes.Down Payment: Requires a minimum down payment as low as 3.5%.Credit Score: Accepts credit scores as low as 540, though scores under 580 require a minimum 10% down payment.Financing: Allows financing up to 96.5% of the home purchase price.Flexibility: Offers more flexible qualification requirements compared to other home loan types.All loans are subject to underwriter approval, and terms and conditions may apply.

Down Payment Assistance Loan

⚡️FHA Fast 100⚡️100% CLTV on FHA loans.Program Highlights:• FHA DPA• Purchas Only• 2 Min FICO 600 - DU Approve/Eligible (no manual underwriting)• No First Time Home Buyer Requirement• Non-occupied Co-borrowers allowed per FHA guides• DTI - Follow AUS - Approved/Eligible• One borrower must complete HUD approved counseling• 96.5% Max LTV with 3.5% DPA (100% CLTV)• Loan Amount to Conforming Limits• Lender Paid Comps are allowed• Zero payment on the 2nd TD• Second Mortgage lien forgiven after 10 year• High Balance Not Allowed⚡️FHA Fast 100 Plus ⚡️is a 100% CLTV FHA DPA Program that may help you get qualified and expand your market reach.Program Highlights:• 100% CLTV FHA Loan (Combines 1st and Subordinate Lien)• 2nd lien with an interest rate 2% greater than 1st lien- Payment amortized over 10 years- Monthly payments required• 600 Minimum FICO• Borrower’s minimum contribution of $0.00• No First Time Home Buyer Requirement• Loan Amount to Conforming Limits• High Balance not allowed

Jumbo Loan Program

⚡️Jumbo Nitro Highlights ⚡️Program Highlights:• LTV Up to 80%• Min FICO 660• Loan Amounts to $3 million Max• DTI - 50% 15, 30 Year• Primary, Second, Investment• Non-Warrantable Allowed• Buydowns - 2:1, 1:0⚡️Jumbo Nitro Plus Highlights ⚡️Program Highlights:• LTV Up to 89.99%• Min FICO 660• Loan Amounts to $3 million• Max DTI - AUS or 45% Max (fixed), 43% (I/O)• 15, 30 Year• Primary, Second, Investment• Warrantable Condos• Buydowns - 2:1, 1:0⚡️Jumbo Nitro XL Highlights ⚡️• LTV up to 90%• Min FICO 660• Loan Amounts to $3.5 million• Max DTI - AUS or Max 50% 30 Year• Primary, Second, Investment Warrantable Condos• Buydowns N/A

HELOAN

⚡️Program Highlights ⚡️Closed-End Second Mortgages (CES) provide the option to tap into the equity of their home to access cash without it affecting the rate on their original loan. Plus, it gives the ability to borrow a lump sum all at once for whatever they need.Why Closed End Seconds Make Sense:Get Cash out without refinancing your existing loanSeconds do not require Mortgage InsuranceRates on Seconds are often better than lines of creditLower the down payment on a home purchase when paired with a first lien*Pay for a large purchase such as; home improvements, home renovations, college expenses or medical bills.Fixed Term rates availablePurchase, Rate/Term Refinance and Cash-Out Refinance available- Purchase, Rate/Term Refinance, and Cash-Out Available- Fixed 15- & 30-year rates available- Credit Scores down to 660- Loan Amounts to $500,000- Full Doc - Max CLTV 90%- Alt Doc & DSCR - Max CLTV 85%- Eligible as 2nd lien only- Fully disbursed at closing, no draw feature- Minimum loan amount $100,000- No reserve requirements on stand alone seconds- Cash-Out - Up to 90% CLTV Full Doc- Cash-Out - Up to 85% CLTV Alt Doc & DSCR- 80% CLTV Cash-Out Refinance on Investment- 75% CLTV Cash-Out Refinance on DSCR- Owner Occ., 2nd Home and Investment Properties- ITIN, One Year Self Employed and DSCR available⚡️NonQM Program Highlights ⚡️Close more loans and tap into equity with our Non-QM Closed-End Second Mortgage!Non-QM Closed-End Second Mortgages can be a great way to access home equity without affecting the first mortgage. These loans are not subject to the same strict lending requirements as Qualified Mortgages (QMs), making them more accessible to borrowers with less-than-perfect credit or Non-Traditional income documentation.- Purchase, Rate/Term Refinance, and Cash-Out Available- Fixed 15- & 30-year rates available- Credit Scores down to 660- Loan Amounts to $500,000- Full Doc - Max CLTV 90%- Alt Doc & DSCR - Max CLTV 85%- Eligible as 2nd lien only- Fully disbursed at closing, no draw feature- Minimum loan amount $100,000- No reserve requirements on stand alone seconds- Cash-Out - Up to 90% CLTV Full Doc- Cash-Out - Up to 85% CLTV Alt Doc & DSCR- 80% CLTV Cash-Out Refinance on Investment- 75% CLTV Cash-Out Refinance on DSCR- Owner Occ., 2nd Home and Investment Properties- ITIN, One Year Self Employed and DSCR available

1099 Only Loan

⚡️Program Highlights ⚡️1099 Only Income Qualification No other Income Doc neededUp to 80% LTV2 Most Recent Bank Statements600 Min FICOUp to $4,000,000 Loan Amount

DSCR Loan

⚡️Debt Service Coverage Ratio/ DSCR Program Highlights ⚡️Used to buy investment property or for business-related cash-out refinance.Property can be non-owner occupied if funds are for business use.Ideal for real estate investors and business owners.DSCR Loans (Debt Service Coverage Ratio Loans):Used to assess the ability to repay a loan based on property's cash flow.DSCR = Gross Income / PITIA (Principal, Interest, Taxes, Insurance, and Association Dues).Program Highlights:Max loan amount: $3,500,000.Applicable to 1-4 family properties and condominiums.85% Loan-to-Value (LTV) for Purchase, Rate & Term Refinance.75% LTV for Cash-Out Refinance.Minimum credit score: 620.Non-warrantable condos are allowed.Only for investment properties.Gift funds are allowed.No limit on the number of financed properties.Short term rentals! Airbnb, VRBO, Purchase, Rate and Term Refi, Cash OutWhat This Means for You:If you're a real estate investor or business owner, you can use these loans to buy or improve investment properties.The high LTV ratios and allowance for non-warrantable condos provide flexibility.A lower credit score requirement makes it more accessible.Actionable Step:If you need funds for an investment property or a business-related purpose, consider applying for a DSCR loan to take advantage of the favorable terms.⚡️DSCR No Ratio Highlights⚡️No DSCR Calculation .7570% LTV for Purchase and Rate & Term Refi65% LTV for Cash Out RefiMax Loan Amount $3,000,000Down to 640 FICOGift Funds OkNo Max on Financed Properties

Asset Utilization Loan

⚡️Program Highlights ⚡️Featuring 60 Month QualificationQualify by dividing assets over 60 months!Up to 80% LTV Purchase and Rate/Term75% Cash OutMinimum FICO 600Owner-Occupied, 2nd Home or Investment

ITIN Loan

⚡️Program Highlights ⚡️Loan Amounts to $1,500,000Program Highlights:Up to 85% LTVPurchase Up to 80% LTV C/O RefiMin FICO 660Loan Amounts to $1,500,000Tradelines on credit report must be based on ITINMax 50% DTI ITIN DSCR to 75% LTVTax Returns or Bank Statements for Self EmployedTax Returns or VOE for W-2 EmployedDSCR for Investment PropertiesITIN ChecklistITIN Issuance LetterCredit Report ran under ITIN w/ Min 2 Fico scoresMin 660 Fico required3 Tradelines; *1 qualifying tradeline on credit and 2 Non-Traditional ok1yr Taxes and WVOE for Wage Earners12 Mos. Bank Statements ok for S/E borrowers12 Mos. Housing History- Cannot Live Rent Free2 Forms of I.D*Consular Card*Non-US Driver’s License*Passport*State Issued ID

Bank Statement Loan

⚡️12 & 3 Month Bank Statement Programs ⚡️Use 100% of Deposits on Personal StatementsUse Up To 85% of Deposits on Business StatementsProgram Highlights:Up To 90% LTV Purchase to $2,000,000Up To 90% LTV Rate/TermUp to 80% LTV Cash OutMin FICO 600Loan Amounts Up to $4,000,000Couple With Asset Utilization for Extra IncomeTransfers From Business to Personal OK!Qualify Using:Fixed Expense FactorThird Party Prepared P<hird Party Prepared Expense Statement