Products


Conventional Loans

  • Minimum 620 Credit Score with LTV’s up to 97%
  • High Balance Loan Amounts Available
  • Double-Wide Manufactured Homes up to 95%
  • Fannie or Freddie Approve Eligible/Accept Required

FHA Loans

  • 540-579 FICO with LTV’s up to 90% (Max 50% DTI)
  • 580+ FICO with Maximum Ratios 55% DTI
  • High Balance Available
  • Manual Underwrited Allowed

Harbor FHA Loans

  • 620 FICO – Must be at the same job for 2 years
  • Third-Party VOE Only
  • Maximum Ratio 55% DTI
  • Employer Must Have Internet Presence
  • 96.5% LTV

JUMBO Loans

  • Minimum 660 FICO
  • 90% LTV up to $1MM on Purchase
  • Loan Amounts to $3MM
  • Cash Out on Loan Amounts to $2MM
  • Gift Funds Allowed for Closing Cost

Manufactured Home Loans

  • Allowed on Conventional, VA, and FHA
  • Conventional: Allowed to 95% LTV with 620 FICO
  • FHA: Allowed to Maximum Financing with 540 FICO
  • VA: Allowed to Maximum Financing with 540 FICO

VA Loans

  • 540-579 FICO with Maximum 90% LTV
  • 580+ FICO with Maximum 100% LTV
  • Qualification per AUS to a 55%+ Back-End DTI – Must Meet Residual Income Guidelines
  • Loan Amounts / Cash-Out up to $1.5 Million
  • Manual Underwrites Allowed