Loan Programs

FHA Standard

• 15, 20, 25 and 30 year Fixed Rate
• 5 year products are limited to conforming loan balances

FHA Portfolio

• 25 and 30 year Fixed Rate

Program Features 

• Credit scores as low as 560 on Portfolio product
• All products are Fully-Amortizing
• HUD REOs with repair escrows allowed
• Low down payment requirements
• Manual Underwriting allowed
• Gift funds allowed for down payment and closing costs

Loan Limits
The maximum base loan amount (excluding UFMIP) cannot exceed the FHA Statutory Mortgage Limits for the applicable county.


VA Standard

• 15, 25 and 30 year Fixed Rate
• 5/1 fully amortizing Hybrid ARM with 1/1/5 caps

VA Portfolio

• 25 and 30 year Fixed Rate

Program Features

• All Products are Fully-Amortizing
• Citizenship is not required
• Veteran can use entitlement many times
• Not limited to first-time homebuyers
• High LTV with No monthly mortgage insurance
• IRRRL without an appraisal

Conventional Loans

• 10, 15, 20, 25 and 30 year Fully Amortizing Fixed Rate
• 5/1 ARM with 2/2/5 caps
• 7/1 ARM with 5/2/5 caps

DU Refi Plus

• 10, 15, 20, 25 and 30 year Fully Amortizing Fixed Rate
• Conforming Balance and High Balance are eligible

Portfolio-Jumbo Loan

• Fully-Amortized Fixed Rate and ARM
• Minimum 700 credit score
• Cash out available
• Manual Underwriting required