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Conforming Products (Fannie Mae & Freddie Mac)

Fannie Mae & Freddie Mac Fixed Rates With FICO’s as low as 620

Fannie Mae Home Ready

Freddie Mac Home Possible

Agency ARMs: 3/1, 5/1, 7/1 and 10/1

Fannie Mae High Balance

Freddie Mac Super Conforming

Fannie Mae Multiple Property

Freddie Mac Relief Open Access

Fannie Mae DU Refi Plus

Non-Conforming Products

Jumbo Fixed: Up to $3,000,000

Jumbo ARMs: 5/1, 7/1, and 10/1

Jumbo up to $1,500,000 at 95% LTV and no Mortgage Insurance

Government Products

FHA Fixed Rate and Adjustable Rate: FICO as low as 560

FHA 203(h): Disaster Victims Mortgage

FHA 203(k): Construction Loan

FHA One Time Loan: Construction loan with FICO as low as 620

VA Fixed Rate and Adjustable Rate Mortgage

IRRL: VA Interest Rate Reduction Refinance Loan

USDA: Guaranteed Rural Housing

Section 184: Indian Home Lands

Reverse Mortgages

FHA HECM: Purchase and Refinance Options

Non-Government Reverse Mortgage up to $1,500,000

Non-QM Products

Bank Statements Program (12 & 24 months): for Self-Employed

Hard Money/Subprime: Wholesale Transactions

ITIN Loans

Foreign National Loans

DPA: Down Payment Assistance Programs (State Restricted)

Alaska: Alaska Housing Finance Corp

Washington State: Washington State Housing Finance Commission

California: Golden State Finance Authority

California: CalHFA Wholesale

Nevada: Nevada Housing Division

Second Lien Products (2nd Mortgages)

Combo Loan Purchase Only (1st and 2nd mortgages simultaneously)

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