SMARTER LENDING STARTS HERE.

Find the perfect financing solution for you or your client with our diverse, high-CLTV, and low-FICO-friendly product matrix.

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Discover Our Signature Solutions

We proudly highlight two of our most flexible and powerful offerings for immediate impact

Legacy Builder DPA:
Up to 101.5% Financing!

The ultimate tool for first-time or repeat homebuyers needing maximum leverage. Get your clients into a home with zero down payment required!

Features:

101.5% Maximum CLTV
No Borrower Down Payment Required
Credit Scores Down to 580
No Income Limits or Restrictions
Manual Underwrites Allowed (on 3.5% option)
Non-Occupant Co-Borrowers Allowed

Learn More About DPA

Renovation HELOC:
Finance Your Home's Future Value!

Dream of renovating? Our HELOC, in partnership with Renofi, lets you borrow based on your home’s After-Renovation Value (ARV), giving you the funding and flexibility you need for big projects!

Features:

Borrow Based on After-Renovation Value (ARV)
Up to 95% Loan-to-Value (LTV) Ratio
10-Year Flexible Draw Period
20-Year Repayment Period for Low Payments
640 Minimum FICO Score
No Mortgage Refinancing or PMI needed

Explore Renovation HELOC

Comprehensive Product Portfolio

We specialize in products other lenders can't touch. Below is a snapshot of our full product offerings. If you don't see it, ask us!

Homeownership Empowerment Program

Up to 96.5% LTV
<580 & No Score Options Available
Self-Employed: P&L + Bank Statements
ITIN/DACA/Non-Perm & TPS Eligible
Max 50/60 DTI

Down Payment Assistance

101.5% Financing
No Borrower Down Payment Required
No Income Limits or Restrictions
Credit Scores Down to 580
Manual Underwrites Allowed

Non-QM Products: General

90% LTV Full & Alt Doc
Loan Amounts Up to $3,000,000
First-Time Homebuyer Allowed
Credit Scores Down to 660

Non-QM Products: DSCR

Up to 85% LTV Available
Credit Scores Down to 640
ITIN and Foreign National DSCR Available
Short Term DSCR to .75

ITIN and Low FICO Non-QM

Up to 90% LTV Available
ITIN All Occupancies Accepted
Credit Scores Down to 640
Rural Properties Accepted

Traditional Products (The Foundation)

FHA / FHA EZ / FHA SL

Simplified Underwriting with FHA EZ
Credit Scores Down to 500
Manual Underwrites Allowed
Manufactured Housing Allowed

VA/VA HB/VA IRRRL

100% Financing
No FICO Accepted
Cash-Out > 90% LTV Allowed
Joint & Dual Entitlement Loans Eligible

FHA Reduced Income Documentation

Simplified Income Documentation
Standard and High Balance
Credit Scores Down to 580

FHLMC/FNMA

97% Financing
Credit Scores Down to 620
Non-Occupant Co-Borrowers Allowed

100% Financing

100% Financing - No Borrower Down Payment Required
Credit Scores Down to 550
Non-Traditional Credit Accepted

Ready to Close More Loans?

For Consumers

Stop struggling with limited options. Whether you have low FICO, a unique income structure, or need down payment assistance, we have a clear, custom path for you.

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For Professionals

Access a product line built for complexity. Expand your client base by offering solutions other brokers can't. Leverage our matrix to close your toughest deals.

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