• We do not publish our rates online. They change daily and sometimes hourly. Please call us at the number above for a quote that is tailored for your specific loan. These loan program snapshots are for guidance ONLY, and are general in nature. They may or may not be available to you at the time of application and/or approval.

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  • Traditional Qualification - "A" Paper

    For those with traditional credit and income qualifications:

  • 30/25/20/15 Year Fixed

     

    Purchase Transactions:

    Feature: Rate is fixed for the term of the loan

    Qualifications:

    • Credit scores from 680 to 800.
    • Maximum 45% debt to income ratio
    • Maximum loan to value 90%
    • Maximum loan amount $2.5M
    • Traditional income sources, ie. tax returns, W-2;s, etc.
    • Owner-occupied, 1-4 units, 2nd homes, investments allowed (higher rates and fees may apply; lower loan to value also)
    • No bankruptcies or other credit events in the last 7 years

    Refinance Transactions:

    Feature: Rate is fixed for the term of the loan

    Qualifications:

    • Credit scores from 680 to 800.
    • Maximum 45% debt to income ratio
    • Maximum loan to value 90% (rate and term); 80% (cash out)
    • Maximum loan amount $2.5M
    • Traditional income sources, ie. tax returns, W-2;s, etc.
    • Owner-occupied, 1-4 units, 2nd homes, investments allowed (higher rates and fees may apply)
    • No bankruptcies or other credit events in the last 7 years
  • 10/7/5/1 Fixed/ARM

     

    Purchase Transactions:

    Feature: Rate is fixed for the first 10, 7, 5 or 1st year(s) of the loan. Lower interest rate to start.

    Qualifications:

    • Credit scores from 680 to 800.
    • Maximum 45% debt to income ratio
    • Maximum loan to value 90%
    • Maximum loan amount $3M
    • Traditional income sources, ie. tax returns, W-2;s, etc.
    • Owner-occupied, 1-4 units, 2nd homes, investments allowed (higher rates and fees may apply; lower loan to value also)
    • No bankruptcies or other credit events in the last 7 years

    Refinance Transactions:

    Feature: Rate is fixed for the first 10, 7, 5 or 1st year(s) of the loan.  Lower interest rate to start.

    Qualifications:

    • Credit scores from 680 to 800.
    • Maximum 45% debt to income ratio
    • Maximum loan to value 90% (rate and term); 80% (cash out)
    • Maximum loan amount $3M
    • Traditional income sources, ie. tax returns, W-2;s, etc.
    • Owner-occupied, 1-4 units, 2nd homes, investments allowed (higher rates and fees may apply)
    • No bankruptcies or other credit events in the last 7 years
  • Non-Traditional Qualification (Non-QM)

    For those with "outside of the box" income and credit situations, we have programs to make your home purchase or refinance happen.  These are not all of our non-traditional jumbo products, please call with your specific loan scenario.

  • 40/30/25/20/15 Year Fixed

     

    Purchase Transactions:

    Feature: Rate is fixed for the term of the loan. 40 year loan is interest only.

    Qualifications:

    • Credit scores from 660 to 720.
    • Maximum 50% debt to income ratio 12/24 month bank statements can be used to qualify (self-employed only)
    • Maximum loan to value 95% (dependent on credit score, loan amount and documentation used)
    • Maximum loan amount $5M
    • Owner-occupied, 1-4 units, 2nd homes, investments allowed (higher rates and fees may apply)
    • Bankruptcies and prior foreclosure allowed, higher rates will apply.

    Refinance Transactions:

    Feature: Rate is fixed for the term of the loan. 40 year loan is interest only.

    Qualifications:

    • Credit scores from 660 to 720.
    • Maximum 50% debt to income ratio. Can use 12/24 months of bank statements to qualify (self-employed only).
    • Maximum loan to value 90% (rate and term); 70% (cash out), dependent on credit score, loan amount and type of income documentation used
    • Maximum loan amount $5M
    • Owner-occupied, 1-4 units only
    • Prior bankruptcy and/or foreclosure allowed, higher rates will apply.
  • 10/7/5/3 Year Fixed/ARM

     

    Purchase Transactions:

    Feature: Rate is fixed for the first 3, 5, 7 or 10 years of the loan. Becomes an adjustable thereafter. Interest only payments are available.

    Qualifications:

    • Credit scores from 660 to 720.
    • Maximum 50% debt to income ratio 12/24 month bank statements can be used to qualify (self-employed only)
    • Maximum loan to value 95% (dependent on credit score, loan amount and documentation used)
    • Maximum loan amount $5M
    • Owner-occupied, 1-4 units, 2nd homes, investments allowed (higher rates and fees may apply)
    • Bankruptcies and prior foreclosure allowed, higher rates will apply.

    Refinance Transactions:

    Feature: Rate is fixed for the first 3, 5, 7 or 10 years of the loan. Becomes an adjustable thereafter. Interest only payments are available.

    Qualifications:

    • Credit scores from 660 to 720. Maximum 50% debt to income ratio. Can use 12/24 months of bank statements to qualify (self-employed only).
    • Maximum loan to value 90% (rate and term);
    • 70% (cash out), dependent on credit score, loan amount and type of income documentation used
    • Maximum loan amount $5M
    • Owner-occupied, 1-4 units only
    • Prior bankruptcy and/or foreclosure allowed, higher rates will apply.
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