Our Loan Programs, Backed by Wholesale Power
From Conventional, FHA, VA, and USDA to Jumbo, Bank Statement, and Investor Flex (DSCR) options — we originate through a trusted wholesale lender network, including United Wholesale Mortgage (UWM). Explore programs tailored for California and Washington, D.C. borrowers.
Conventional
1% Down Affordable Home Program
Overview:
Designed for first-time and moderate-income buyers earning at or below 80% of the Area Median Income (AMI). This program lowers the upfront cash needed to purchase a home while still offering the stability of conforming financing.
Key Highlights:
-
Purchase only transaction
-
Minimum 620 FICO
-
97% maximum LTV
-
Borrower contributes 1% down (UWM contributes the lesser of 2% of purchase price or $7,000 toward the down payment)
-
Loan amounts up to conforming limits
-
Eligible through DU® (HomeReady) or LPA® (Home Possible)
-
Not eligible for TRAC, condos/PUDs, or “Control Your Price”
-
Temporary rate buydowns available
Who it’s for:
-
First-time buyers
-
Borrowers under 80% AMI seeking low-down-payment solutions
-
Families who want to maximize cash reserves for other expenses
↑ Back to the Top
High-LTV Cash-Out Refinance (No MI)
Overview
Unlock your home equity with a simplified cash-out refinance program. Borrow up to 89.99% of your home’s value with no mortgage insurance requirement — designed to maximize liquidity while keeping payments predictable.
Key Highlights
-
FICO: 680+ required
-
Loan Amounts: Up to conforming limits
-
LTV Range: 80.01% – 89.99%
-
Mortgage Insurance: Not required
-
Term: 30-year fixed only
-
DTI: Determined by DU®/LPA®, not to exceed 50%
-
Seasoning: Only 6 months required if paying off a first-lien mortgage
-
Occupancy: Primary residence only
Who It’s For
-
Homeowners seeking to access equity for renovations, debt consolidation, or other major expenses
-
Borrowers who want higher cash-out flexibility without paying for mortgage insurance
↑ Back to the Top
Do you provide customized solutions for different businesses?
Our digital marketing agency offers services such as social media management, search engine optimization (SEO), pay-per-click advertising, content marketing, email marketing, and website design and development.
Can you track the performance of digital marketing campaigns?
Our digital marketing agency offers services such as social media management, search engine optimization (SEO), pay-per-click advertising, content marketing, email marketing, and website design and development.
What sets your digital marketing agency apart from others in the industry?
Our digital marketing agency offers services such as social media management, search engine optimization (SEO), pay-per-click advertising, content marketing, email marketing, and website design and development.
Tabs are an effective way to organize information on a website page when there is a large amount of content that needs to be separated into distinct categories. Label your tabs with one or two words that define each category of information.
When styling your tabs, highlight the selected tab by giving it a color that differs from your unselected tabs, so that it's easy for your visitors to navigate.
Tabs are an effective way to organize information on a website page when there is a large amount of content that needs to be separated into distinct categories. Label your tabs with one or two words that define each category of information.
When styling your tabs, highlight the selected tab by giving it a color that differs from your unselected tabs, so that it's easy for your visitors to navigate.
Tabs are an effective way to organize information on a website page when there is a large amount of content that needs to be separated into distinct categories. Label your tabs with one or two words that define each category of information.
When styling your tabs, highlight the selected tab by giving it a color that differs from your unselected tabs, so that it's easy for your visitors to navigate.