Our Conventional Loan Program offers flexible and competitive solutions tailored to fit a wide range of financial goals. Whether you’re purchasing a primary residence, second home, or investment property, conventional loans provide a great option for qualified borrowers. With loan products designed to meet diverse needs, our program includes options for first-time homebuyers, high-balance financing, and specialized solutions like Elite MI for lower mortgage insurance premiums.

For those looking to refinance, we offer streamlined options like RefiNow™ and Refi Possible℠, designed to help reduce monthly payments or access equity quickly. Our Conventional Cash-Out program allows homeowners to tap into their equity for debt consolidation, renovations, or other financial goals. Additionally, we provide tailored programs like HomeReady® and Home Possible®, which are ideal for borrowers seeking affordable homeownership options with flexible down payment requirements.

From adjustable-rate mortgages (ARMs) to fixed-rate solutions, our Conventional Loan Program delivers the flexibility and affordability you need to achieve your homeownership or financial goals.

Jumbo loans are designed for borrowers seeking financing that exceeds the conforming loan limit, which, in 2025, is $806,500 in most parts of the United States. For high-cost areas, the conforming loan limit (and therefore the jumbo loan threshold) is higher, accommodating the unique needs of these regions.

Our Jumbo Loan Program offers competitive financing options for primary, second, and investment properties. With loan amounts starting just $1 above the conforming limit and going up to $5 million, these loans are perfect for buyers with more significant financing needs. Borrowers can enjoy flexible terms, including up to 89.99% LTV for eligible loans, allowing for lower down payments.

We cater to both purchase and refinance scenarios, including rate/term refinances up to $5 million and cash-out refinances up to $3 million. Additionally, we provide temporary rate buy-downs to help borrowers achieve affordability during the early years of their loan.

For loan amounts over $2 million, six months of reserves are required, and appraisals from two separate appraisers ensure the value of the property is accurately assessed. Our jumbo loans also include borrower protection since these loans are serviced exclusively by UWM.

Whether you’re purchasing a luxury home or refinancing an existing property, our Jumbo Loan Program offers tailored solutions to fit your financial goals.

Our Bank Statement Loan Program is designed specifically for self-employed borrowers seeking an alternative to traditional income documentation. This program is ideal for clients who take significant deductions in their business but still have the financial strength to qualify for a mortgage.

With LTVs up to 90%, loan amounts up to $3 million, and credit scores starting at 620, this program offers the flexibility to purchase or refinance primary, second, or investment properties. Borrowers can qualify based on 12 months of consecutive bank statements, making it an excellent fit for entrepreneurs and business owners.

Key features include eligibility for rate/term and cash-out refinances, with reserve requirements varying based on loan size and property type. For primary home loans up to $1.5 million, 6 months of reserves are required, while higher amounts and investment properties require 12 months of reserves.

This program exclusively offers self-employed borrowers a tailored solution to meet their unique needs and financial scenarios. If you’re a business owner seeking home financing that works with your cash flow, our Bank Statement Loan Program could be the perfect fit.

The DSCR Loan Program is tailored specifically for real estate investors, offering a simple and effective way to qualify for financing without traditional income documentation. Instead of relying on personal income, eligibility is determined by the property’s ability to generate rental income sufficient to cover the monthly mortgage payment. With a minimum DSCR of 0.00, this program provides exceptional flexibility for seasoned and first-time investors.

Highlights of the DSCR Loan Program include:

• Loan amounts up to $2 million with up to 80% LTV, providing ample funding for investment opportunities.
• Eligibility for investment property purchases, rate/term refinances, and cash-out refinances supports various strategies.
• The ability to finance up to 20 properties makes it ideal for growing portfolios.
• Six months’ reserves are required, with gift funds allowed for down payment assistance.

This program also offers flexibility for structuring investments, such as the ability to close in an LLC (Limited Liability Company) and options for prepayment penalties to suit your financial strategy. For larger loans over $2 million, appraisals from two appraisers ensure a seamless process.

Whether you’re acquiring new properties or refinancing existing ones, the DSCR Loan Program simplifies the path to expanding your investment portfolio.

Our Home Equity Line of Credit (HELOC) program provides a fast and flexible way for homeowners to access the equity in their homes to achieve their financial goals. Whether it’s consolidating debt, funding home improvements, or covering unexpected expenses, our HELOC solution makes borrowing simple and efficient.

Key Features:

• National Coverage: Loan amounts range from $25,000 to $400,000, available nationwide.
• Fast Closings: Applications can close as quickly as the same day, depending on the borrower’s pace.
• Simple Qualifications: Minimum 640 FICO score with a maximum CLTV of 80%.
• Flexible Income Verification: Instant income verification for 75%+ W-2 borrowers and automated bank statement analysis for W-2 and self-employed clients.
• Affordable Appraisals: Single AVM up to $400k, with appraisal options starting at $160 if needed.

Our hybrid platform combines the speed of digital tools with the expertise of a seasoned operations team, ensuring high closing rates while addressing real-life loan complexities. Our individual MLO portal provides real-time status updates for a streamlined experience.

Our HELOC program is the perfect solution if you’re looking for a fast, simple, and flexible way to unlock your home’s equity.

Our Home Renovation Loan Program is designed to help borrowers finance the cost of home improvements, whether purchasing a new property or refinancing their existing home. With this program, you can combine the cost of necessary repairs or renovations into a single loan, making it a convenient and cost-effective solution.

Key Features:

• For Purchases or Refinances: Suitable for those buying a home that needs repairs or refinancing to improve their current property.
• No Minimum Improvement Requirement: Renovation loans do not require a minimum dollar amount for repairs or improvements, offering flexibility for projects of any size.
• Wide Range of Eligible Improvements: From flooring and cabinets to outdoor structures like garages or swimming pools, the program supports a variety of renovation needs.
• Eligibility Across Multiple Property Types: Available for primary residences, second homes, and non-owner-occupied properties, with tailored LTV and loan limits based on the occupancy type.

General Requirements:

• Renovation costs must not exceed 75% of the “as-completed” appraised value of the property.
• Loans are eligible for properties with up to 4 units, manufactured homes, or ADUs (Accessory Dwelling Units).
• Projects greater than $35,000 require a HUD consultant for oversight.
• Do-it-yourself projects are not permitted, ensuring work is completed by licensed professionals for quality assurance.

Whether you’re modernizing a kitchen, adding outdoor amenities, or making structural repairs, our renovation loans provide the financial flexibility and support you need to create your dream home.

Our VA Loan Program is designed to honor and support the brave men and women who have served in the Armed Forces. Offering some of the most flexible and competitive benefits, VA loans are an excellent option for eligible veterans, active-duty service members, and their families. We proudly help clients with credit scores as low as 500 (and sometimes even lower with specific criteria), ensuring accessibility to affordable home financing.

With loan amounts up to $4 million and up to 100% financing, VA loans are perfect for purchasing or refinancing a primary residence. We also offer cash-out refinancing for those looking to access their home equity, as well as specialized products like VA IRRRL (Interest Rate Reduction Refinance Loan) for streamlined refinancing with no appraisal required.

Whether it’s a single-family home, manufactured home, or condo, our VA loans come with added benefits like temporary rate buy-downs and escrow waivers up to 100% LTV. These products are built to provide our veterans with a seamless path to homeownership or a lower-cost mortgage.

If you’re a veteran or active-duty service member, let us help you take full advantage of your well-deserved VA benefits!