OTHER LOAN TYPES

Non-Conforming loans are loans that do not conform to the loan purchasing guidelines set by Fannie Mae/Freddie Mac.

ALL NON-CONFORMING LOANS ARE AVAILABLE FOR REFINANCE & PURCHASE TRANSACTIONS.

FRESH START

For borrowers who had a recent life or credit event (i.e., bankruptcy, foreclosure, etc.) and don’t conform to agency guidelines.

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INVESTMENT

For borrowers who own investment properties and need common-sense underwriting to provide financing options.

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JUMBO

A mortgage loan that may have high credit quality but is in an amount above conventional conforming loan limit.

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NORFLEX

Pick your own loan terms — from 8-30 year fixed — and pay off your mortgage based on your budget or timeline.

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PHYSICIANS
LOAN PROGRAM

A specific loan open to all medical residents, physicians and doctors.

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REVERSE

A safe, secure and easy way for seniors to turn their home’s equity into cash to meet any financial need.

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SELF-EMPLOYED
BORROWERS

Allows borrowers to use alternative forms of income documentation to qualify for a loan.

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ITIN PROGRAM

Home ownership opportunities for undocumented immigrants. Neither citizenship nor a social security number required.

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STUDENT LOAN
PROGRAM

This cash-out refinance offers simpler eligibility terms and reduced fees designed to provide additional options for borrowers with student debts.

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CREDIT REPAIR
PROGRAM

Allows borrowers to begin the process of repairing damaged credit in order to purchase or refinance.

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NONWARRANTABLE
CONDOS

Allows borrowers who want to purchase or refinance a condo that is not approved by Fannie Mae, Freddie Mac or FHA.

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FOREIGN NATIONAL PROGRAM

Loans designed to help individuals from other countries and living in the United States short-term, purchase property here.

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