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Loan Programs for Every Scenario

From Non-QM to Conventional, the program lineup offers all the products you need to serve all your clients.

VA Loans

Honoring Those Who Serve

We love VA lending! The Veterans Administration loan program offers significant advantages for Veterans and active-duty service members looking to purchase or refinance a home. With loan amounts up to $2.5M, flexible credit requirements starting at 580, and a streamlined IRRRL option, we make VA lending easy for your borrowers.

No Down PaymentNo PMIUp to $2.5MIRRRL Available580+ Credit ScoreManual UW OK
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VA Purchase, Cash-Out & IRRRL Matrix

Program Highlights

  • Purchase up to $2,500,000 (720 FICO, 95% LTV)
  • 100% financing available down to 580 credit score
  • Cash-out refinance up to $3,000,000 (640 FICO)
  • IRRRL: 500+ credit (no score allowed), unlimited LTV, no income or appraisal required
  • Manufactured housing eligible
  • Manual underwriting permitted
  • No private mortgage insurance (PMI)
  • Seller may pay 100% of closing costs + 4% concessions
  • No minimum borrower investment required

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