Available Niches
Conventional
- Loan Amounts to $625,500
- Fannie Mae, Freddie Mac, Portfolio
- 600 Minimum FICO
- 40, 30, 25, 20, 15 and 10 Year Fixed
- 10-1, 7-1, 5-1, 3-1 ARM
- Interest Only Payment Option
- Up to 97% LTV – No Mortgage Insurance
- Up to 10 Financed Properties
Jumbo
- Loan Amounts to $10,000,000
- 90% LTV to $1,100,000 – No Mortgage Insurance
- 80% LTV to $3,000,000
- 70% LTV to $5,000,000
- 65% LTV to $10,000,000
- 30, 20, 15 Year Fixed
- 10-1, 7-1, 5-1, and 3-1 ARM
- Interest Only Payment Option
- Asset Depletion for Income Accepted
- Cross-collateralize Accepted
FHA
- Loan Amounts to $729,750
- 580 Minimum FICO
- 30, 25, 20, 15 and 10 Year Fixed
- 5-1 ARM
- HUD REO’s Allowed
- Flipping Rules Waiver Accepted
- Non-Occupant Co-Borrower Allowed
VA
- Loan Amounts to $1,000,000
- 600 Minimum FICO
- 30, 25, 20, 15 and 10 Year Fixed
- No Flipping Restrictions
USDA
Fannie Mae Home Path
Freddie Mac Home Possible
Available Niches
- 1 Day Waiting Period After Short Sale
- Cash Out Refinance with 1×30 on Mortgage Last 12 Months
- No Seasoning for Cash Out Refinance – Non-Owner Occupied OK
- Appraisal Transfers Accepted
- Up to 97% Loan to Value – No Mortgage Insurance
- Condos up to 97% Loan to Value – No Mortgage Insurance
- Non-Owner Occupied to 85% Loan to Value – Conventional
- Non-Owner Occupied with No Maximum Properties
- Home Equity Lines of Credit to 90% Combined Loan to Value
- Equity Line of Credit for Owner Occupied, Non-Owner and 2nd Home
- Seller Carry Backs in 2nd Position Allowed to 90% Combined Loan to Value
- Investor Flips Selling in Less Than 90 Days
- Non-Arm’s Length / AIT Transactions
- Re-Certification of Appraisal Value Allowed Up to 12 Months
- Delayed Financing for Cash Purchase, No 6 Month Waiting Period – O/O, 2nd Home, Invest. Prop.
- Gift Funds Accepted above 80% Loan to Value
- Business Funds Used for Down Payment, Closing Costs and/or Reserves
- Non-Occupant Co-Borrowers Accepted to Help Qualify – No Mortgage Insurance
- Foreign Nationals With No Social Security Number Accepted
- Foreign Income Accepted
- Expanded Citizenship and Residency Status
- Alternative Income Documentation Accepted
- Stated Income Accepted
- Non-Warrantable Condos Accepted, Including Co-Ops and Condo-Tels
- Condo Projects in Litigation Accepted
- Hobby Farms
- Uniform Trust Accounts from Minors Accepted as Assets
- Title in LLC, LLP, Corp, Irrevocable Trust or Blind Trust
- Cross Collateralization
- Asset Depletion to Qualify for Income
- Up to 20 Acres
- $10,000,000 Super Jumbo Loan Amount
- $2,000,000 Loan Amount up to 90% Loan to Value – No Mortgage Insurance
- Securities Based Funding – Using Securities, Stocks, Bonds, etc. as Collateral
- Rental Income on Current O/O Property with No Landlord History
- Rental Income on Current O/O Property with No Minimum Equity
- Commercial Mortgages for All Commercial Property Types
- Construction Loans
- Multi-Family Mortgage – Agency and Portfolio
- No Maximum Acreage
- Manufactured Homes Allowed
- Buyers Paying Fees for Seller on Short Sale Accepted
- Equal Opportunity Mortgage Program (EOM) – $625,500 to 95% Loan to Value