o Flips now acceptable on FHA loans with less than 90 days and over 20%!

o Conventional w/ NO MI to 95% LTV, purchase or refi r/t, only need a 680 fico!!!!

o Conventional to 97% now w/MI!!!!! Used to be 95%.

o Check out our FHA high balance pricing!!!

o CALHFA w/ 620 fico and CDHAP 2nd to 99% LTV, 1st and 2nd- First time homebuyers only.

o FHA/FHA high balance purchase starting with 640 fico

o FHA $100 down HUD REO purchase

o FHA/FHA high balance streamline

o FHA 203k streamline, for purchase or refi, up to 35K in repairs!!!

o FHA short pay refi

o No max DTI w/DU approve/eligible- With compensating factors and underwriter approval.

o Alt trade lines okay

o USDA to 100%

o DU refi plus to 125 LTV

o Conventional up to 95% w/or without MI with only a 680 mid fico!!!

o Up to 95% LTV with no MI.

o Conventional/conventional high balance available at LTV's as high as 95% w/MI or w/o MI

o No required trade line requirement on conventional with AU and UW's approval!!!!

o High balance/high LTV up to 90% with u/w exception!!!!- This is HUGE!!!

o Homepath w/No MI/No Appraisal- LTV to 97%

o VA purchase -100% LTV

o VA IRRRL rate reduction refi
o True Jumbo to 2 million and 80% LTV

o Great FHA pricing, with the ability to go as low as 580 Fico Score!

o Non-Owner Cash out up to 75%LTV/TLTV & 80%LTV/85%TLTV on N/O Purchases!

o Jumbo Money loans up to 80%LTV/TLTV up to $2 million dollars!

o Great 5/1 Arm high balance pricing & 30FX pricing!

o Financing to borrowers that have 5-10 financed properties!

o Home Path program up to 95%LTV!

o DU refi plus program up to 125%LTV!

o 56% DTI with a DU/LP approval!

MORE LOAN PROGRAMS

oFHA Loans - Up To 99.5% LTV - Only 0.5% Down

o Conventional Loans - Up To $729,500

o VOE - No Income Doc - Up to 80% LTV (Wage Earner Only)

o Stated Income For Self Employed - 65% LTV

o Jumbo Loans - Up To $10 million

oJumbo Loans - Up To $2 million to 80% LTV

o FHA Streamline Refinances

o DU REFI PLUS up to 125% LTV

o VA Loan - 100% LTV - No Money Down

o USDA - 100% LTV - No Money Down

o FHA - Below 620 FICO Score - 500 MINIMUM FICO

o FHA 203K - 3.5% down, Get Up to $35k For Repairs

o Reverse Mortgage - No FICO, No Credit Score, No Income, No Payment

o Hard Money Loans - Up to 60% LTV - No Fico Score Requirement

o Commercial Loans up to $10 Million

o NO MI Loans - Up to 95% LTV

o Manufactures Housing Loans

o Multifamily Loans - Up to 80% LTV


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