Purchase Loan Programs
Residential or Commercial, full income or no income, we have it all.
Conventional Loans
• Lowest interest rates available
• For borrowers with strong credit history
• Usually requires 20% down payment
Down Payment Assistance
• 620 Minimum FICO
• Homebuyer Counseling Required
• Must occupy property as primary residence
1% Down Payment
• 620 Minimum Credit Score
• Reduced Mortgage Insurance
• Not limited to first-time homebuyers
FHA Purchase
• Low Down Payment, Flexible Sources
• Optional Mortgage Insurance
• Simple Qualifications
3% Down for 1st Time Buyers
• 97 LTV – Scores as low as 620 (not FHA)
• This is only available for first-time buyers
• Maximum loan amount of $417,000
VA Loans up to 100% LTV
• Lower interest rates and upfront costs
• Purchases and refinance options
• Allows up to 100% financing for Veterans
Home Ready Program
• Down payments as low as 3 percent
• Home Possible Mortgage Program
• HomeStyle Renovation Program
Home Possible Mortgage Program
• Flexible credit terms and payment options
• Reduced PMI requirements
• No cash reserve requirement options
Home Style Renovation Program
• Available For Up To 80% LTV
• Can Own Up To 4 Financed Properties
• No Minimum Repair Amount Required
Back to Work Program
• Good credit history
• Financing solution for the right borrowers
• FHA loan requirements
Co-Op Purchase Loans
• Purchase or Refinance at 95% Financing
• Investment Co-Op & second home Co-Ops
• 24 years of Co-Op financing experience
High Balance – Jumbo/Super Jumbo
• Qualify for loan amounts up to $3 million
• Available for self-employed borrowers
• Cash-out refinances up to 70% LTV
Condo Purchase Mortgages
• Good credit history
• Financing solution for the right borrowers
• FHA loan requirements
Home Key Program
• Loan amounts of up to $1.5 million
• 75 LTV
• 50 percent debt-to-income ratio
No Income Check
• No Income / No Employment Needed
• Up to 75 LTV
• Credit Score 680
10% Down Payment With No PMI
• Primary and secondary homes
• Credit score of 680
• 30-year fixed-rate
Bank Statement Program
• Personal or Business Bank Accounts
• Separate Personal and Business Accounts
• Decision is based on 12 month Deposits
Mortgage Calculator
Mortgage Calculator
As you evaluate different mortgage options, it’s important to understand what your monthly payment will be and how much interest you could pay over time. This calculator can help you choose the mortgage that is right for you.
