Our Loan Programs


Each borrower’s situation is unique and we are equipped to help with our expanded product selection! These products help borrowers like you achieve their homeownership or refinance goals. Where do you fit?

I want a fixed rate.

Conventional Loan Programs

  • 15, 20 and 30-year Fixed Rate options
  • Cash-out Refinance up to 80% LTV
  • As Low as 5% Down
  • Credit Scores as Low as 620 May Qualify
  • HomeReady™ and HomePossible™ Programs Offered
    • Lower MI Options Available
    • As little as 3% down
    • Non-Occupant Co-borrower Allowed
  • Limited Documentation Programs Available (Day One Certainty)

I don’t have
much for a
down payment.

FHA Loan Programs

A flexible mortgage option to purchase or refinance your home with a small up-front investment.

  • Purchase with as little as 3.5% down
  • Refinance up to 97.5% LTV (for qualified borrowers)
  • Credit scores as low as 530 may qualify
  • FHA Streamline Program—No Appraisal, No Income Documentation Necessary
  • 100% of Down Payment Can Come from Gift Funds

I am a US
Military Veteran.

VA Loan Programs

As a thank you for your service to our country, VA loans allow veterans with additional home financing options.

  • Purchase with as little as 0% down
  • Cash out up to 90% LTV
  • Credit Scores as Low as 530 may qualify
  • Mortgage Insurance (PMI) Not Required
  • VA IRRRL Program- No Appraisal, No Income Documentation Necessary

I want to live in
a rural area.

USDA Loan Programs

  • Purchase with as little as 0% down
  • Credit scores as Low as 530 may qualify
  • Manufactured Homes Allowed
  • Streamline Assist Refinance Loans Available – No Appraisal, Subject to Income Eligibility
    • No Out of Pocket Closing Costs

I want to avoid
mortgage insurance.

Second Liens

  • Piggyback and standalone products
  • Credit scores as Low as 620 May Qualify
  • Up to 95% CLTV
  • Allows for an 80/15/5 Transaction Behind a QM First to Avoid MI with a Minimum 680 credit score
  • 10, 15, 20, and 30-year Fixed Rates Available
  • 10-year Interest Only available

I’m self-employed.

Other Products — Maverick Solutions

  • Ability to qualify for certain products using 12 or 24-month personal or business bank statements (Self Employed Borrowers and Investors)
  • Fixed/ARMs Available
  • Ability to Qualify Using Cash Flow from the Subject Property
  • Credit scores as low as 500 may qualify
  • Non-Warrantable Condos accepted
  • No MI products available