Programs

Perfect Rate
  • Tailor rates to the thousandth
  • Instead of .8%, price at .767% or .799%
  • Available on Conventional and certain note rates on Government fixed-rate loans
Perfect Term
  • Customize loan terms to the exact month
  • Instead of 360 months, make it 299 months
  • Available on fixed-rate loans
OptiMIze
  • Industry-leading competitive MI rates
  • Proprietary tool that automatically searches best-execution MI rates from our negotiated provider options
  • Includes BPMI and LPMI options
Peak Performance Loyalty Program*
  • Complimentary rate lock extensions
  • Relock fee waivers
  • Float downs

*Available with eligible program status

Products

Conventional Loans
DU and LPA Home Possible®
Fixed-rate & Adjustable-rate mortgages (ARMs) for standard & high-balance HomeOne
Flexible terms from 96 to 360 months Manufactured Home Loan
Appraisal waivers accepted RefiNow
Up to 97% LTV for first-time homebuyers Temporary buydowns available: 3-2-1, 2-1, and 1-0, 660 minimum FICO
HomeReady®
DU and LPA
Fixed-rate & Adjustable-rate mortgages (ARMs) for standard & high-balance
Flexible terms from 96 to 360 months
620 Minimum FICO with AUS approval
Appraisal waivers accepted
Up to 97% LTV for first-time homebuyers
HomeReady®
Home Possible®
HomeOne
Manufactured Home Loan
Freddie Mac BorrowSmart®
RefiNow
Temporary buydowns available: 3-2-1, 2-1, and 1-0, 660 minimum FICO
FHA Loans
Down payment assistance allowed from government agencies 580 Minimum FICO with AUS approval
Fixed-rate & Adjustable-rate mortgages (ARMs) for standard & high-balance Manual Underwriting available when submitted to Total Scorecard, 620 minimum FICO
Flexible terms from 96 to 360 months Temporary buydowns available: 3-2-1, 2-1, and 1-0, 660 minimum FICO
No appraisal required for FHA Streamline refinances
Down payment assistance allowed from government agencies
Fixed-rate & Adjustable-rate mortgages (ARMs) for standard & high-balance
Flexible terms from 96 to 360 months
No appraisal required for FHA Streamline refinances
580 Minimum FICO with AUS approval
Manual Underwriting available when submitted to Total Scorecard, 620 minimum FICO
Temporary buydowns available: 3-2-1, 2-1, and 1-0, 660 minimum FICO
VA Loans
Fixed-rate & Adjustable-rate mortgages (ARMs) for standard & high-balance Loan-to-value (LTV) up to 100% on purchase, up to 100% LTV on Cash-Out and unlimited LTV on IRRRL
Loan balances up to $2 million with qualifying VA Guarantee Temporary buydowns available for fixed-rate only: 3-2-1, 2-1, and 1-0, 660 minimum FICO
Flexible terms from 120 to 360 months
Fixed-rate & Adjustable-rate mortgages (ARMs) for standard & high-balance
Loan balances up to $2 million with qualifying VA Guarantee
Flexible terms from 120 to 360 months
Loan-to-value (LTV) up to 100% on purchase, up to 100% LTV on Cash-Out and unlimited LTV on IRRRL
Temporary buydowns available for fixed-rate only: 3-2-1, 2-1, and 1-0, 660 minimum FICO
Fixed Rate Home Equity Second Loans
Available in select states Up to 85% loan-to-value (LTV)
Fixed-rate term structures of 10, 15, 20, or 30 years                                           Up to $500,000 loan amount (minimum $50,000)
Primary residence only
Available in select states
Up to 85% loan-to-value (LTV)
Fixed-rate term structures of 10, 15, 20, or 30 years
Up to $500,000 loan amount (minimum $50,000)
Primary residence only
AUS Jumbo Loans
AUS Underwriting (DU and LPA allowed) Max loan amount of $3 million
Fixed-rate, Max 89.99% LTV Max DTI: 45%
15 to 30 years with flexible terms in between (Perfect Term™) Primary Residence, Second Homes 1 unit, and Investment Property 1-2 units only
AUS Underwriting (DU and LPA allowed)
Fixed-rate, Max 89.99% LTV
15 to 30 years with flexible terms in between (Perfect Term™)
Max loan amount of $3 million
Max DTI: 45%
Primary Residence, Second Homes 1 unit, and Investment Property 1-2 units only
Optima Jumbo Loans
Fixed-rate only, 30- and 15-year terms Minimum loan amount $1 above conforming loan limits
Max loan amount of $2.5 million Primary Residence, Second Homes 1 unit, and Investment Property 1-2 units only
Incidental cash back on Rate & Term up to $5,000
Fixed-rate only, 30- and 15-year terms
Max loan amount of $2.5 million
Incidental cash back on Rate & Term up to $5,000
Minimum loan amount $1 above conforming loan limits
Primary Residence, Second Homes 1 unit, and Investment Property 1-2 units only

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Your success is our #1 priority. That’s why we’ve built the best tools in the
industry and backed them up with a team of leaders experienced in
wholesale lending to support you every step of the way.