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of the rest

DSCR

Min. Credit Score 620 Min. 20% Down Payment

Top choice for real estate investors

• No income, no employment
• Mixed-use and multi-family (5-8 units) allowed
• Ability to close in an LLC
• Short-term rental is available

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12/24 Month Bank Statement

Min. Credit Score 620 Min. 10% Down Payment

A perfect fit for the self-employed

• Personal, business, or combined bank statements
• Only 3 months of reserves required
• ITIN is available
• Minimum credit score 620

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Individual Taxpayer Identification Number

Min. Credit Score 660 Min. 20% Down Payment

A mortgage solution for borrowers without a SSN

• No Social Security Number required
• Loan amounts up to $1.5 million
• Available to non-permanent residents 
• A valid ITIN card and government-issued ID or an IRS ITIN letter with a government-issued ID

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Prime Jumbo

Min. Credit Score 680 Min. 20% Down Payment

A solution for borrowers who need larger loan amounts

• Loan amounts up to $2.5 million
• Debt-to-income (DTI) ratio up to 45%
• No Mortgage Insurance MI required
• Cash-out available

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Conventional Standard

Min. Credit Score 620 Min. 3% Down Payment

An affordable financing option with standard requirements

• Loan amounts up to $802,650 
• Debt-to-income (DTI) ratio up to 50%
• Minimum 3% down payment
• Owner-occupied, second home, and investment properties 

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Freddie Mac Refi Possible

Min. Credit Score 620 Min. 3% Down Payment

A flexible refinance option with a simplified qualification process 

• Reduced documentation 
• Debt-to-income (DTI) ratio up to 65% 
• Primary residence
• The current loan must be owned by Freddie Mac

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Fannie Mae RefiNow

Min. Credit Score 620 Min. 3% Down Payment

A flexible refinance option with a simplified qualification process

• Reduced documentation
• Debt-to-income (DTI) ratio up to 65% 
• Primary residence
• The current loan must be owned by Fannie Mae

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VA Standard

No Min. Credit Score No Min. Down Payment

A loan solution for veterans, active-duty service members, and their eligible spouses

• Loan amounts up to $2 million
• Debt-to-income (DTI) ratio up to 55%
• No minimum down payment required
• Eligible VA borrowers: Active-duty service members; Members of the National Guard; Reservists; Surviving spouses of veterans; Cadets at the US Military, Air Force or Coast Guard Academy; Midshipmen at the U.S. Naval Academy; Officers at the National Oceanic & Atmospheric Administration

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VA IRRRL

No Min. Credit Score

A simplified refinance option for veterans and active-duty service members

• Loan amounts up to $2 million
• Debt-to-income (DTI) ratio up to 55%
• Primary residence only
• Limited documentation

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FHA High Balance

Min. Credit Score 620 Min. 2.25% Down Payment

An FHA mortgage option with larger loan amounts for properties in high-cost areas

• Loan amounts up to $1,149,825
• Debt-to-income (DTI) ratio up to 55%
• Primary residence
• Minimum 2.25% down payment

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Second Mortgage

Min. Credit Score 680 Min. 15% Down Payment

An option to obtain additional financing through your home's equity

• Loan amounts up to $500,000
• Debt-to-income (DTI) ratio up to 50%
• Owner-occupied, second home, or investment property
• Minimum credit score 680

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