Conventional Loan Products

Conventional 1% Down Payment Purchase

Get a low down payment, a great rate and a head start on your equity.

  • Put 1% down on a purchase, 2% gifted from the Lender, so you have 3% equity at closing.
  • 700+ Credit Score
  • Great low rates
  • Close in 30 days or less
  • Available with no monthly Mortgage Insurance

Elite Pricing for Elite Clientele

Some of the best conventional rates and pricing in the industry.

  • 740+ Credit Score
  • Loan to Value of 80% or less
  • Loan amounts $250,000 up to your County Loan Limit
  • Property Inspection Waivers honored
  • Straight-forward underwriting
  • For Fixed rate and Adjustable Rate Mortgages

Pay Advantage Program

Increase your buying power. Pay Advantage offers you one of the lowest monthly payments available with a low down payment.

  • Up to 97% Loan to Value with no monthly mortgage insurance
  • 100% gift for down payments eligible
  • Easy Underwriting

Adjustable Rate Mortgages (ARMs)

Secure a competitive 5/1 or 7/1 low interest rate ARM.

  • Provide savings with lower rate and payment options
  • With ARMs, we often talk about interest rate caps. Reduced caps to 2/2/5 on all 5/1 ARM products. (call for more explanation)
  • Easier income qualification on the 7 Year ARMs

HARP 2.0

We’re closing HARP 2.0 (Home Affordable Refinance Program) in 20 days or less. Do you have a current loan with Fannie Mae that was originated prior to May 31, 2009? If you’re not sure, we can find out for you. With HARP, you can refinance your current loan even if you owe more than the property’s current market value.

  • Up to 175% LTV/Unlimited CLTV
  • No Debt to Income restrictions
  • Property inspection waivers are accepted
More to Come!

We have so many more products.

If you have a difficult situation, please call us for a free consultation. We’ve done many loans that others could not.