Loan Programs
We help you choose the right loan program to fit your needs.
FHA Loans
- Low Down Payment, Flexible Sources.
- Optional Mortgage Insurance
- Simple Qualifications
W2 Transcripts Only
- W-2 transcript processing
- Apply for conventional, FHA and VA loans
- Save time, apply today!
Jumbo Mortgages
- Jumbo Program- 90 LTV
- Primary residences up to $3 million
- Cash-Out to Borrower up to $750,000
Bank Statement Program
- Personal or Business Bank Accounts
- Separate Personal and Business Accounts
- Decision is based on 12 month Deposits
Construction Loans
- Available For Up To 80% LTV
- Own Up To 4 Financed Properties
- No Minimum Repair Amount Required
Home Ready Loans
- Suitable for all borrowers
- Available for higher loan amounts
- Refinances up to 95 percent loan-to-value
No Income Check Mortgage
- No Tax Returns Required
- No Pay-Stubs Required
- No W2’s Required
Foreign Nationals Program
- Purchase and refinance options
- No penalties for pre-payments
- Credit score: 680 FICO
Reverse Mortgage
- Never make a payment
- Must be 62 and over
- No Income or Credit check needed
Investment Coops
-
- Competitive interest rates
- Reasonable loan terms
- Home equity lines of credit
Non-Warrantable Condos
- Competitive rates
- Less strict guidelines
- Non-Agency and our Non-QM programs
Co-Op Mortgages
- Low-interest, fixed-rate coop mortgages
- Refinance into an affordable loan
- Purchase a co-op with reasonable terms
Doctor Mortgage Programs
- Primary Residence Only
- Purchase or Rate and Term Refinance
- Great Home Loan Option for Doctors
90% LTV to 1 Million with no MI
- Available for first-time homebuyers
- Purchase loans up to $1 Million
- Minimum FICO credit score of 680
Jumbo Co-Op Loans
- Minimum 700 credit score
- Up to 85% combined loan-to-value
- Single family homes and condos
Interest Only Program
- Pay off the mortgage in one lump sum
- Refinancing a loan
- Loan amounts up to $1 million
Home Possible Mortgage Program
- Flexible credit and payment requirements
- Significantly reduced PMI requirements.
- No cash reserves on one-unit properties
FHA 203k Loan
- Buy and renovate at the same time
- Qualifying credit scores as low as 550
- Close before work completed
Simultaneous Closing
- Available for primary residences
- 30-year HELOC
- Second homes with CLTV < 85 percent
Investment Properties
- Loan amounts from $100,000 to $3,500,000
- Unlimited financed properties
- Seller contributions up to 6%
Stated Income on Primary Residences
- No 4506 or 4506t required
- Salaried borrowers are permitted
- Requires 75% down payment
Portfolio Investor Program
- Gift funds and Gifts of Equity allowed
- Unlimited cash-out
- No verification of income or employment
Hotel Financing
- Interest-only financing is available
- Maximum loan amount is $3 million
- 5/1 or 7/1 ARMs & 30-year payments
P & L Only
- Applicants need not produce tax returns
- Up to $500,000 cash back
- Entire down payment may be a gift
Manufactured Home Financing
- 30-year fixed-rate loan
- Lower PMI requirements
- No-repayment grant options
Jumbo Loans up to 95% Financing
- LTVs up to 95%
- No Mortgage Insurance – ever!
- Cash-out refinancing available
Fix To Rent Loans
- Attractive and competitive interest rates
- LTV ratio up to 75%
- $75,000 minimum loan amount
HomeStyle Renovation
- Purchase a home that needs repairs.
- Low down payment
- Remodel a home using its equity
Good Neighbor Next Door Program
- Police, firefighter, EMT or teacher
- $100 down payment
- Credit score 620
No Income Investment Property
- NONI loans process quickly
- unlimited cash-out below 75 LTV
- Use business funds to qualify
Super Jumbo Program
- Maximum CLTV of 90%
- First-time homebuyers eligible
- No maximum cash-out limit
Conventional Loans
- Lowest interest rates available
- For borrowers with strong credit history
- Usually requires 20% down payment
Owner Occupied Mixed Use Property Loan
- 10-, 15- and 20-year mortgages
- Fixed-rate loans
- 25-year amortization
First Time Buyer Investment Property
- Tax advantages
- Increase monthly income
- Profit in the future
New Construction Loans
- LTC of up to 85%
- 12- to 24-month interest-only
- Don’t pay interest
Halal Financing Program
- Remain in step with Sharia
- Sharia-compliant contract
- Transaction under Islamic Law
Florida Hometown Heroes Housing
- Up to 5% down payment assistance
- Lender pays for closing costs
- Max assistance capped at $25,000
Bank Statement Program for Coops
- Cash-Out Opportunities
- Flexible Mortgage Terms
- High Loan-to-Value Ratio
No Credit and Limited Credit Program
- Cash-Out
- No credit score required
- Asset depletion program allowed
Second Mortgage Bank Statement Program
- Credit Flexibility
- Generous Loan Amount
- No Prepayment Penalty
Home Equity Line Of Credit (HELOC) Co-ops
- Combined Loan to Value (CLTV) 70% CLTV
- Minimum Credit Score 700
- Minimum Loan Amount $10,000
1-page Bank Statement
- 12- or 24-month P&L statement acceptable
- LTV can be up to 80% for cash-out refi
- Confirm eligibility with only P&L statement
One Score or No Score Program
- Available up to 65% LTV
- All occupancy types
- Borrowers with one FICO score or no FICO
Accessory Dwelling Units
- Accessory dwelling unit must be legal
- Only one ADU allowed per property
- Proof of rent receipt must be provided
1-year self-employed mortgage program
- 1-year of self-employment required
- Up to 80% loan-to-value for purchases
- Minimum FICO score of 660
DSCR Loan Program
- Loan amounts of up to $3 million
- Minimum credit score of 599
- Combined loan-to-value ratio of up to 85%
Blanket Mortgage Loan
- The minimum loan amount is $400,000
- The maximum loan amount is $3,000,000
- Property loan balances min. of $50,000
Mortgage Calculator
Amortization Calculator
As you evaluate different mortgage options, it’s important to understand what your monthly payment will be and how much interest you could pay over time. This calculator can help you choose the mortgage that is right for you.