Programs
Perfect Rate™
- Tailor rates to the thousandth
- Instead of .8%, price at .767% or .799%
- Available on Conventional and certain note rates on Government fixed-rate loans
Perfect Term™
- Customize loan terms to the exact month
- Instead of 360 months, make it 299 months
- Available on fixed-rate loans
OptiMIze™
- Industry-leading competitive MI rates
- Proprietary tool that automatically searches best-execution MI rates from our negotiated provider options
- Includes BPMI and LPMI options
Peak Performance Loyalty Program*
- Complimentary rate lock extensions
- Relock fee waivers
*Available with eligible program status
Products
Conventional Loans
| DU and LPA | Home Possible® |
| Fixed-rate & Adjustable-rate mortgages (ARMs) for standard & high-balance | HomeOne™ |
| Flexible terms from 96 to 360 months | Manufactured Home Loan |
| Appraisal waivers accepted | RefiNow |
| Up to 97% LTV for first-time homebuyers | Temporary buydowns available: 3-2-1, 2-1, and 1-0, 660 minimum FICO |
| HomeReady® |
| DU and LPA |
| Fixed-rate & Adjustable-rate mortgages (ARMs) for standard & high-balance |
| Flexible terms from 96 to 360 months |
| 620 Minimum FICO with AUS approval |
| Appraisal waivers accepted |
| Up to 97% LTV for first-time homebuyers |
| HomeReady® |
| Home Possible® |
| HomeOne™ |
| Manufactured Home Loan |
| Freddie Mac BorrowSmart® |
| RefiNow |
| Temporary buydowns available: 3-2-1, 2-1, and 1-0, 660 minimum FICO |
FHA Loans
| Down payment assistance allowed from government agencies | 580 Minimum FICO with AUS approval |
| Fixed-rate & Adjustable-rate mortgages (ARMs) for standard & high-balance | Manual Underwriting available when submitted to Total Scorecard, 640 minimum FICO |
| Flexible terms from 96 to 360 months | Temporary buydowns available: 3-2-1, 2-1, and 1-0, 660 minimum FICO |
| No appraisal required for FHA Streamline refinances |
| Down payment assistance allowed from government agencies |
| Fixed-rate & Adjustable-rate mortgages (ARMs) for standard & high-balance |
| Flexible terms from 96 to 360 months |
| No appraisal required for FHA Streamline refinances |
| 580 Minimum FICO with AUS approval |
| Manual Underwriting available when submitted to Total Scorecard, 620 minimum FICO |
| Temporary buydowns available: 3-2-1, 2-1, and 1-0, 660 minimum FICO |
VA Loans
| Fixed-rate & Adjustable-rate mortgages (ARMs) for standard & high-balance | Loan-to-value (LTV) up to 100% on purchase, up to 100% LTV on Cash-Out and unlimited LTV on IRRRL |
| Loan balances up to $2.5 million with qualifying VA Guarantee | Temporary buydowns available for fixed-rate only: 3-2-1, 2-1, and 1-0, 660 minimum FICO |
| Flexible terms from 120 to 360 months |
| Fixed-rate & Adjustable-rate mortgages (ARMs) for standard & high-balance |
| Loan balances up to $2.5 million with qualifying VA Guarantee |
| Flexible terms from 120 to 360 months |
| Loan-to-value (LTV) up to 100% on purchase, up to 100% LTV on Cash-Out and unlimited LTV on IRRRL |
| Temporary buydowns available for fixed-rate only: 3-2-1, 2-1, and 1-0, 660 minimum FICO |
Fixed Rate Home Equity Second Loans
| Available in select states | Up to 85% loan-to-value (LTV) |
| Fixed-rate term structures of 10, 15, 20, or 30 years | Up to $500,000 loan amount (min $50,000) for 1 unit Primary Residence |
| Primary Residence 1-2 units and Second Homes 1 unit properties are eligible |
| Available in select states |
| Up to 85% loan-to-value (LTV) |
| Fixed-rate term structures of 10, 15, 20, or 30 years |
| Up to $500,000 loan amount (minimum $50,000) |
| Primary residence only |
AUS Jumbo Loans
| AUS Underwriting (DU and LPA allowed) | Max loan amount of $3 million |
| Fixed-rate, Max 89.99% LTV | Max DTI: 50% |
| 15 to 30 years with flexible terms in between (Perfect Term™) | Primary Residence, Second Homes 1 unit, and Investment Property 1-2 units only |
| AUS Underwriting (DU and LPA allowed) |
| Fixed-rate, Max 89.99% LTV |
| 15 to 30 years with flexible terms in between (Perfect Term™) |
| Max loan amount of $3 million |
| Max DTI: 45% |
| Primary Residence, Second Homes 1 unit, and Investment Property 1-2 units only |
Optima Jumbo Loans
| Fixed-rate only, 30- and 15-year terms | Minimum loan amount $1 above conforming loan limits |
| Max loan amount of $2.5 million | Primary Residence, Second Homes 1 unit, and Investment Property 1-2 units only |
| Incidental cash back on Rate & Term up to $5,000 |
| Fixed-rate only, 30- and 15-year terms |
| Max loan amount of $2.5 million |
| Incidental cash back on Rate & Term up to $5,000 |
| Minimum loan amount $1 above conforming loan limits |
| Primary Residence, Second Homes 1 unit, and Investment Property 1-2 units only |
Get Started
Your success is our #1 priority. That’s why we’ve built the best tools in the
industry and backed them up with a team of leaders experienced in
wholesale lending to support you every step of the way.