Unlock Your Dream Home

FHA Elite Fixed 640

Primary Residence Only: Property Type: 1-4 Units o Purpose Type: Purchase or Refinance o Max LTV/CLTV: 96.5% o Min FICO: 640 o Max DTI: Determined by AUS o Base Loan Amount: $125,000 - FHA Mortgage Limit Jumbo Minimum is $1 over Conforming Loan Limit

FHA Fixed 580

o Property Type: 1-4 Units o Purpose Type: Purchase o Max LTV/CLTV: 96.5% o Min FICO: 580 o Max DTI: Determined by AUS o Base Loan Amount: Maximum is FHA Mortgage Limit

100% VA Elite 640

Purchase & Cash-Out Refinance (Primary Residence Only): o Property Type: 1-4 Units o Purpose Type: Purchase o Max LTV/CLTV/HCLTV: 100% o Min FICO: 580 o Base Loan Amount: Maximum is conforming loan limit; Jumbo minimum is $1 over conforming loan limit

100% VA 580

Purchase & Cash-Out Refinance (Primary Residence Only): o Property Type: 1-4 Units o Purpose Type: Purchase o Max LTV/CLTV/HCLTV: 100% o Min FICO: 580 o Base Loan Amount: Maximum is conforming loan limit; Jumbo minimum is $1 over conforming loan limit

Conventional Loan

Available for any occupancy • Follow regular LTV guidelines (max 97% for FTHB) • 1-4 unit primary • 1 unit only for secondary or investment • Repair budget up to 75% of After-Improved value (ARV)

100% DPA

100% CLTV FHA Loan with Down Payment Assistance • No income restrictions • 3.5% Second with 0% Note rate (No Payment) • Refer/Eligible OK

Reverse Mortgages

A reverse mortgage allows homeowners aged 62 and older to convert a portion of their home equity into cash—without having to sell or make monthly mortgage payments62 or Older- Purchase or Refinance

Manufactured Home Loans

A manufactured home loan helps you finance a factory-built home that’s built after June 15, 1976 and meets HUD standards. These loans can be used for purchase, refinance, or lot/home combo financing. Available for single-wide, double-wide, and triple-wide homes Can finance land + home in one loan

Renovation Loans

203KA renovation loan allows you to buy or refinance a home and roll in the cost of repairs or upgrades—all in one loan. Perfect for fixer-uppers or homes that need a little TLC! FHA, VA & Conventional 580+ Credit Scores

Jumbo Luxury Home Loans

A Jumbo Loan is designed for high-value homes that exceed conventional loan limits (typically over $766,550 in most areas). It's ideal for luxury homebuyers, investors, or self-employed borrowers seeking flexible financing for premium properties. Strong credit (typically 700+ FICO)