Loan Programs








FHA
- 3.5% down payment
- $125,000 minimum loan amount
- Close in 30 days or less
- Option to include closing costs









1% and 3% Down Conventional
- Close in 30 Days or less
- Gift funds available for down payment
- High Balance loans available
- Primary homes, 1-2 units eligible









VA
- No down payment required
- Low interest rates
- Fast closings, usually in 30 days or less
- No private mortgage insurance (PMI)

Condos
- No condo questionnaire required on particular qualified loans
- Up to 90% LTV for primary residences
- Up to 75% for second homes








Elite Conventional
- Exclusive rates for 700+ FICO
- May not require appraisal
- Max loan amount $679,650
(LA County)
- 20% equity required








Jumbo
- Close in 25 days or less
- Eligible for primary, second & investment homes
- Starting at 680 FICO, plus exclusive low rates for 700+ FICO)

Advantage Program
- Max LTV 75%
- Min FICO 640
- BK Seasoning 3 years
- 100% gift allowed on owner occupied
- DTI up to 49%








Investor Advantage Program
- Qualify based on cash flow of the subject property only
- Max LTV 80% w/ 720 FICO
- Min FICO 640, up to 70% LTV
- No income doc required








Reverse Mortgage
- 62 years of age or older
- You own your home and use it as your primary residence
- Single family, multi-family, approved condo or manufactured home
- Convert your home equity into cash with no monthly mortgage payments