In today’s competitive real estate landscape, every realtor knows the power of a strong financing partner. The Super Prime Loan Program isn’t just another product on the shelf; it’s a game-changer for clients with strong credit, complex financials, or luxury property goals. Designed with flexibility and scale in mind, it bridges the gap between traditional lending and real-world borrower needs.
With loan amounts up to $4 million and up to 90% HCLTV, Super Prime gives buyers the power to move fast and dream big. Whether it’s a high end condo in New York or a sprawling estate in California, this program allows realtors to help clients access more without compromising financial structure. It’s the perfect match for high-credit borrowers who want competitive options that adapt to their unique situation.
Even better, this program isn’t restricted to one borrower type. From self employed entrepreneurs to seasoned investors, Super Prime provides tailored documentation options including 1Y & 2Y Full Doc, Bank Statements, P&L, WVOE, Asset Utilization, and even 1099 income verification. Flexibility is its middle name, giving your clients the freedom to qualify in ways that fit their actual financial picture.
When your goal is to close deals efficiently and confidently, the Super Prime Program empowers you to do just that. Its DTI limit up to 55% and reserves as low as three months make it an accessible yet powerful financing solution for a broad range of high-credit borrowers. This means you can present more opportunities to your clients, even those with complex or non-traditional income streams.
Let’s talk numbers. Super Prime allows cash in hand up to $500,000 for CLTV greater than 65%, and up to $1,000,000 for CLTV less than or equal to 65% to greater than or equal to 55%, with no cash limit for CLTV less than 55%. This isn’t just flexibility; it’s strategic liquidity. Your clients can leverage their home’s equity without hitting the walls that most conventional programs build. For realtors, that translates to more purchasing power, smoother transitions between properties, and stronger long-term relationships with borrowers who see you as a true financial ally.
And yes, gift funds for reserves are allowed, making it easier for buyers to meet requirements without exhausting personal cash flow. For owner occupied properties, the borrower contribution starts at 0%, while non-owner-occupied (NOO) homes require only 10%, an advantage that opens doors to investors looking to expand their portfolios.
As a realtor, your influence doesn’t stop at finding the right home; it extends to helping your clients secure the right financing. When introducing the Super Prime Program, highlight its flexibility, range, and power. Position it as a premium solution for those who value both freedom and security.
Here’s how to frame it:
Emphasize loan sizes up to $4 million for luxury or high value properties.
Showcase up to 90% HCLTV, perfect for clients who prefer to keep more liquidity on hand.
Mention that multiple documentation options accommodate entrepreneurs, investors, and professionals with non traditional income.
Reinforce that condos, condotels, and NY properties are not just eligible, they’re welcome.
By aligning your presentation with your client’s goals, you’ll position yourself as a real estate partner who delivers solutions, not obstacles. When buyers know you understand both homes and financing, your value skyrockets.
Super Prime doesn’t just help you close, it helps you build. Every successful deal under this program strengthens your relationship with clients who have the means, credit, and motivation to continue investing. It’s not a one-time transaction; it’s a gateway to repeat business.
Because Super Prime supports owner-occupied and investment properties, it allows your clients to move seamlessly between personal and portfolio expansion. Realtors who partner with lenders offering Super Prime options can tap into a new level of client retention and satisfaction. After all, when clients know you can help them navigate even the most complex financing structures, they’re far more likely to return and refer others.
At its core, the Super Prime Loan Program is about empowerment for both borrowers and real estate professionals. With flexibility, strength, and broad eligibility, it transforms how deals are structured and how success is achieved.
Whether your client is buying a luxury condo, refinancing to access equity, or expanding their investment portfolio, Super Prime delivers the financial leverage they need and gives you, the realtor, the confidence to guide them there.
So the next time you meet a high-credit borrower with ambitious goals, don’t just show them a home. Show them what’s possible with Super Prime.