LTV up to 95% (MI applies for LTV > 80%)

•Minimum FICO 660

•“Full Doc” with up to 50% DTI

•W2 or Self-Employed Borrowers

•Purchase Loan, Rate and term, or Cash-Out refinance

•Restrictions apply. Rates are subject to change without notice

EXAMPLE SCENARIO:

Rates as of 6/5/2026 and are subject to change. The following examples are for a Purchase for well-qualified “full doc” borrower with a mid-FICO score of 660+, and property Loan-to-Value (LTV) ratio up to 60%. Conforming 15-year Fixed-Rate loan example is based on $400,000 loan amount at 5.25% (APR 5.687%)

•LTV up to 95% (MI applies fo LTV > 80%)

•Minimum FICO 660

•“Full Doc” with up to 50% DTI

•W2 or Self-Employed Borrowers

•Purchase Loan, Rate and term, or Cash-Out refinance

•Restrictions apply. Rates are subject to change without notice

EXAMPLE SCENARIO:

Rates as of 6/5/2026 and are subject to change. Following examples is for a Purchase for well-qualified “full doc” borrower with a mid-FICO score of 660+, and property Loan-to-Value (LTV) ratio up to 60%. Conforming 30-Year Fixed-Rate loan example is based on $400,000. loan amount at 5.99% (APR 6.26%)

Rates as of 6/5/2026 and are subject to change. Following examples are for a Purchase FHA 30-year fixed mortgage, for a qualified borrower with a mid-FICO score of 660+, and property Loan-to-Value (LTV) ratio of 96.5%. Example is based on  Base Loan amount  of $400,000 (total loan amount including UMPIP $415,000) at 5.875% (APR 6.72%)

•LTV up to 85%

•Minimum FICO 680

•“Full Doc” with DTI up to 45%

•W2 employed or Self-Employed Borrowers

•Purchase Loan, Rate and Term, or Cash-Out refinance

•Loans up to $3 Million

•Reserves: 6 to 12 months of PITI

•Restrictions apply

•Rates are subject to change without notice

EXAMPLE SCENARIO:

Rates as of 6/5/2026 and are subject to change. The following example is for a Purchase loan for well-qualified “full doc” borrower with a mid-FICO score of 760+, and property Loan-to-Value (LTV) ratio of  75%. Jumbo 30-Year Fixed-Rate loan example is based on $1,500,000 loan amount at 6.125% (APR 6.35%)

•Business Deposits verified by 12 or24 months of Bank Statements

•LTV up 90% for Purchase and up to 80% for Refinance

•Minimum FICO Score 620

•No Business or Personal Tax Returns!

•Available for Primary, Second Homes or Investment Properties

•30-Year Fixed and 5/7/10 ARM options

•Interest-Only payment options.

•Reserves: 6+ months of PITI

•Loan Amount Limits: $200,000 to $4,000,000

EXAMPLE SCENARIO:

Rates as of 6/5/2026 and are subject to change. The following example is for Purchase with 24 months business statements, averaging deposits to meet 43% DTI, a borrower with a mid-FICO score of 760+ and ACH direct payments, and property Loan-to-Value (LTV) ratio up to 60%. A 30-Year Fixed-Rate loan example is based on a $400,000 loan amount at 6.25% (APR 6.49%)

Available in California and Florida

• DSCR Options: 1.0+, 0.75+, No Ratio

•LTV up 80% 

•Minimum FICO Score 620

•No Business or Personal Income Verified!

•Investment Properties Only

•Interest-Only payment options.

•Loan Amount Limits: $200,000 to $4,000,000

EXAMPLE SCENARIO:

Rates as of 6/5/2026 and are subject to change. The following example is for Purchase with 24 months business statements, averaging deposits to meet 43% DTI, a borrower with a mid-FICO score of 760+ and ACH direct payments, and property Loan-to-Value (LTV) ratio up to 60%. A 30-Year Fixed-Rate loan example is based on a $400,000 loan amount at 5.99% (APR 6.23%)

Available in California and Florida

• Profit and Loss Statement prepared by a tax preparer or a CPA

•LTV up 80% 

•Minimum FICO Score 620

•No Business or Personal Tax Returns!

•Available for Primary, Second Homes or Investment Properties

•Interest-Only payment options.

•Reserves: 6+  months of PITI

•Loan Amount Limits: $200,000 to $4,000,000

EXAMPLE SCENARIO:

Rates as of 6/5/2026 and are subject to change. The following example is for Purchase with 24 months business statements, averaging deposits to meet 43% DTI, a borrower with a mid-FICO score of 760+ and ACH direct payments, and property Loan-to-Value (LTV) ratio up to 60%. A 30-Year Fixed-Rate loan example is based on a $400,000 loan amount at 6.5% (APR 6.74%)

Available in California and Florida

•LTV up 80% 

•Minimum FICO credit Score: 640+

•No income or Employment Documentation Required

•Just One Month bank statement for Proof of Funds

•Available for primary and second homes

•30-Year Fixed and 5/7/10 ARM options

•Interest-Only payment options.

•Reserves: 6 to 9 Months of PITI (Based on borrower’s

FICO) – Cash-Out funds can be used as reserves!

•Loan Amount Limits: $200,000 to $2,500,000

EXAMPLE SCENARIO:

Rates as of 6/5/2026 and are subject to change. The following example is for a Purchase loan in L.A County for a borrower with a mid-FICO score of 760+, 3 months of PITI in reserves, and property Loan-to-Value (LTV) ratio up to 60%, For 30-year Fixed option, loan amount of $400,000 at 8.25% (APR 8.54%)

Available in California and Florida

•LTV up 75% for Purchase and Rate & Term Refinance. Up to 65% for Cash-Out Refinance.

•Minimum FICO credit Score: 640+

•No income or employment Documentation Required

•Just One Month bank statement for Proof of Funds

•Available for primary and second homes

•30-Year Fixed and 5/7/10 ARM options

•Interest-Only payment options.

•Reserves: 12 to 24 Months of PITI (Based on borrower’s

FICO) – Cash-Out funds can be used as reserves!

•Loan Amount Limits: $200,000 to $3,000,000

EXAMPLE SCENARIO:

Rates as of 6/5/2026 and are subject to change. The following example is for a Purchase loan in L.A County for a borrower with a mid-FICO score of 760+, 3 months of PITI in reserves, and property Loan-to-Value (LTV) ratio up to 60%, For 30-year Fixed option, loan amount of $400,000 at 9.5% (APR 9.08%)

Available in California and Florida

Conforming and High Balance Conforming Purchase mortgage for W2 earners with no investment properties can be funded within 14 days from receipt of a complete loan package. Some loans may take longer to fund.  Rates and turn times are subject to change without notice.