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We offer a full range of conventional conforming home loans, including fixed- and adjustable-rate products, balloon products, and even interest-only programs to meet all your borrowers' needs. For larger loan amounts, we have jumbo loans up to $6,000,000.

Popular PayOption & 1/6 Month I/0’s allow maximum flexibility with the borrower able to customize a true Lending Solution.

We offer 3/1, 5/1, 7/1 & 10/1 ARMs under conforming & non-conforming products including Fast & Easy and Expanded Criteria programs. These ARMs are fixed for the first 3, 5, 7 and 10 years, then are converted to a one-year ARM tied to the LIBOR index. We also have an interest-only option.

Our Fast & Easy program offers qualifying borrowers with excellent credit a mortgage up to 95% LTV/CLTV with streamlined processing. We even offer an 80/15/5 with our Super Streamline HELOC under this program to avoid Mortgage Insurance and save your borrowers money. Borrowers can be self employed or salaried, and there are no reserve requirements.

These "A" paper loans are offered for fixed rates, ARMs and Conforming Fixed Period 3/1, 5/1, 7/1 & 10/1 ARMs. We also offer many "no income" programs such as our Reduced Doc, No Ratio and No Income/No Asset s and Stated Income/Stated Asset programs.

You'll also want to check out our two Expanded Criteria Zero Down products:

• Zero Down 103% Plan up to $440,000, a loan that allows borrowers to finance up to 100% LTV. They can even include up to 3% closing costs and prepaid fees in the loan amount, for a total LTV of 103%!*
• Zero Down, 80/20 with a combined loan amount up to $650,000.The second can be a HELOC or Fixed Rate and there are no Mortgage Insurance requirements.

*Max LTV in WV & MA is 100%

This is primarily an affordable program directed toward creditworthy borrowers having little or no funds for down payment, higher than average debt ratios or other special circumstances that make obtaining traditional credit challenging. First-Time homebuyers and move-up borrowers with excellent credit and incomes may also meet the program requirements.

The Rural Housing Service (RHS) loan is an affordable lending product designed to get residents in designated rural areas into a home that they would not otherwise qualify for. Some of the most attractive features include:

• 100% LTV based on the appraised value of the home
• No down payment
• No cash reserves required
• No MI requirement (a guarantee fee is required)
• Manufactured housing permitted

When borrowers "tandem" a Home Equity Line of Credit (HELOC) or Fixed Rate Second with their first mortgage, they may qualify for a larger loan amount, eliminate MI, or avoid jumbo pricing. Our Tandem Loan Programs let you close two loans at the same time without extra documentation - this benefits you and your borrower! For example, we have an 80/20 Tandem package under our Expanded Criteria family, requiring no down payment, and STILL no MI! We also have an 80/15/5 Super Streamline HELOC with our Fast & Easy program for borrowers with excellent credit, which allows you to offer a great loan at a great price, with no mortgage insurance and no reserves.

• 100% CLTV loans
  80/20
  
  
• 95% CLTV loans
  80/15/5
  75/20/5
  
  
• 90% CLTV loans
  80/10/10
  75/15/10

Any time your borrower has a down payment less than 20%, offer a Tandem first and a second mortgage to avoid mortgage insurance and/or Jumbo pricing, save money for your borrowers and increase your income!

Tax Advantagesm Mortgage Insurance - A Smart MI Alternative.
Tax Advantage Mortgage Insurance offers a smart alternative to regular MI, turning the need for mortgage insurance into a benefit for your borrowers. By folding the cost of mortgage insurance into the loan, your borrowers may realize a tax deduction,** plus a lower net monthly payment that can help make home ownership more affordable. Tax Advantage MI is available in two versions, depending on your borrower's financial circumstances:

Monthly Tax Advantage MI features an add-on to the loan's interest rate to cover the cost of MI, resulting in a potentially greater tax deduction than with traditional mortgage insurance.

One-Time Tax Advantage MI features a 3-percent increase in the loan amount, which is financed over the life of the loan and typically results in a lower monthly payment than with traditional mortgage insurance.

**Borrowers should consult their tax advisor regarding the deductibility of mortgage interest. May not be available in all states.