REAL ESTATE

100% Conventional Loans

Purchase Only LTV Up to 100% Min. FICO 620 SFR, 2-4 Unit, Condo/PUD 3% down payment assistance up to $15,000 Repayable second lien Eligible on primary purchases only Qualifying income limited to 80% or less of Area Median Income (AMI)

100% FHA Financing

600 minimum FICO No Down payment 96.5% LTV FHA 30yr Fixed 1st combined with a 3.5% LTV 10yr Fixed 2nd Non-occupant co-borrowers allowed

100% VA Financing

Loans Up to $4M 600+ FICO score OK Up to 100% LTV - Purchase, Rate and Term, and Cash-out Single family primary residence One Time Close New Construction Loans

Conventional- Jumbo Loans

Jumbo Loan Amounts Up to $766,550 to $1,149,825.00 Purchase, Rate & Term Refinance LTV Up to 90%

5% Down Multifamily

Purchase or Refinance 2-4 Units LTV 95% Loan Limits Up to 766,660 to 1,149,825 Renovations Loans Eligible

One Time Close New Construction

Finance the home, lot, and permanent mortgage in one loan closing FHA: 96.5% -3.5% Down Payment VA and USDA: 100% - 0- Down Payment Conventional: 95% - 5% Down Payment FHA/VA/USDA: Score 640 Conventional: Score 680

100% HOME IMPROVEMENT LOANS RENO 55

Loan amounts up to $55,000* Primary, Second Homes and Investment Properties eligible. Minimum Credit Score 640+ No Income Verifications/No Appraisals Required Closed and Funded in 7-10 days Approved States: TX, ID, IL,MO

100% HOME IMPROVEMENT RENO 100

Loan Amounts up to $100,000 Major Renovations Exterior/Interior Primary Residence, Second Homes or Investment Properties Minimum Credit Score 640+ No Income Verifications/No Appraisals Required Closed and Funded in 7-10 days Approved States: TX, ID, IL,MO

HELOCS- Home Equity Lines of Credit

Available on Primary Residences & Second Homes Line Amounts from $100k-$400k 30-Year Term with 10-Year Interest-Only Draw Period 95% Max CLTV 660 Min Credit Score 45% Max DTI

Conventional Homestyle Renovation Loan

FHA 203k Renovation Loan

VA Renovation Loan

New Construction for Investors

Experienced Investor Financing 3+ Projects Up to 85% LTC Min Loan $300,000 to $5,000,000 Credit Score 650+ Single Family, 2-20 Units+

100% Fix and Flip Investor Loans

LTV Up to 100% of Sales Price 100% Renovation Cost Credit Score 700+ Experience Required: 5 Projects or More No Hassle Loan Close in 7 to 10 Days (New Purchase Transactions Only)

80% No Experience Ugly Fix and Flip

Purchase or Refinance Ugly Fix and Flip No Income- LLC Ok No Appraisal No Experience Required No Credit Score Required

DSCR Buy and Hold Investor Loans/Air BNB up to 10 Units

DSCR 30-year fixed rate. Up to 80% LTV 660 Credit Score/85% LTV 720 Credit Score No Income Verified- Purchase or refinance using your LLC. Self-employed investors and small business owners Based on property value, No Personal Income

Build Smart! One Stop Construction Management Services

We offer Construction Management Services for New Construction Residential or Commercial Property. Designed for First time builders or investors Best in Class Building Materials Dedicated Team of construction professionals.

Reverse Mortgages (HECM) Purchase

Loan for Seniors 62 or older Purchase or Refinance Principal Residence Flexible repayment: Repay or No Payment Options Eligible Properties: Single-family homes; FHA-approved Condo; Townhouses or (PUDs); 2-4 Family-Owner-occupied

No Tax Returns- Bank Statement Loans

12 or 24 Months Bank Statements Purchase or Refinance Borrower Prepared 12 Months Profit and Loss Statement 80% LTV Credit Score 660+

Vacant Land Loans

Loan amounts from $100,000 to $865,000 No acreage limitations No prepayment penalties Loan terms up to 20 years Loans up to 65% of appraised value 660 Credit Scores

ITIN HOMEBUYERS

Bank Statements Loan P&L or 12 months Bank Statements DTI up to 55%/LTV up to 85% 600 min. credit or No score Loan amounts from $50K to $1.25M Only 12 months of self-employed/income needed Gift Funds Allowed No reserves required NO WORK VISA NEEDED NO GREEN CARD NEEDED