Good. And plenty.
Lots of ways to find the loan that fits you.
Choice starts here.

Plenty of options. One experienced team.

Use this handy chart to note the differences between products. Reach out to one of our loan officers when you're ready to take the next step.


Click on product icons for more info.
Down Payment
0%
3.5%
0%
min 3%
Credit Profile
≥ 580
≥ 580
≥ 640
≥ 620
Debt-to-Income
varies by situation
Up to 56.99%
Up to 45%
Up to 50%
Mortgage Insurance

varies by situation

required

required

varies by situation

Property Type

Primary residence
(1-4 family unit homes, townhomes, condos)

Primary Residence
(1-4 family unit homes, townhomes, condos)

Primary residence
(1-4 family unit homes, townhomes, condos)

Primary residence
2nd home
Investment Property
(1-4 family unit homes, townhomes, condos)

Refinance Options

Interest Rate Reduction Loan*

Cash-out up to 100%

Rate & Term adjustment

Streamline

Cash-out up to 85%

Rate & Term adjustment

Streamline

Cash-out

Rate & Term adjustment

Loan Term
15 - 30 year
15 - 30 year
30 year
15 - 20 - 30 year
*income documentation and appraisals not typically required

To calculate your debt-to-income ratio, add up all your monthly debt payments and divide them by your gross monthly income (Income before taxes or benefits are deducted).

Required for FHA and VA loans, Private Mortgage Insurance (PMI) protects lenders or investors from possible loan default and is determined based on the loan to value ratio of the loan in question.

Streamline refinancing is a way to speed up the home refinancing process by using the original loan's paperwork.