A perfect fit for self-employed borrowers
Min. FICO 620 | Up to 90% LTV
○ Use personal, business, or combined bank statements
○ No tax returns required
○ Flexible income calculation options
Built for borrowers who need flexible documentation
Min. FICO 600 | Up to 80% LTV
○ Use a 1-year profit and loss statement to qualify
○ Eligible for SFRs, condos, and townhomes
○ Not available for first-time homebuyers
Buy sooner without the 2-year wait
Min. FICO 660 | Up to 80% LTV
○ Only 1 year of self-employment required
○ Qualify using 12 months bank statements + prior W2/1099
○ Must be in the same line of work
Designed for commission-based and independent earners
Min. FICO 620 | Up to 80% LTV
○ Qualify using 1099 income only
○ No tax returns required
○ Loan amounts up to $8M
Flexible financing for borrowers outside traditional guidelines
Min. FICO 660 | Up to 85% LTV
○ Ideal for self-employed or asset-rich borrowers
○ Allows recent credit events like BK or foreclosure
○ Up to $3M loan amounts available
A full documentation option with expanded non-QM flexibility
No Score or Min. FICO 620 | Up to 80% CLTV
○ Loan amounts up to $4M
○ Flexible cash-in-hand limits based on CLTV
○ Built for borrowers who need non-agency options
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A streamlined option for wage earners with stable employment
Min FICO 620 | Up to 80% LTV
○ No paystubs, W2s, tax returns, or 4506-C required
○ Uses completed FNMA Form 1005
○ Requires 2-year history with the same employer
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Close investment loans with fast, flexible qualification
Min. FICO 620 | Up to 80% LTV
○ Qualify using property cash flow (DSCR > 1.25)
○ No personal income or employment required
○ Short-term rentals allowed
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Cash-flow based financing for investment properties
Min. FICO 620 | Up to 80% LTV
○ Qualify using rental income (DSCR-based)
○ No tax returns or employment needed
○ Options available for purchases and refinances
Built for experienced investors seeking higher loan amounts
Min. FICO 660 | Up to 70% LTV
○ Qualify using rental income (DSCR-based)
○ No personal income or employment required
○ Refinance and cash-out options available
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Designed for real estate investors
Min. FICO 660 | Up to 85% LTV purchase
○ Qualify using rental income only
○ No employment or tax returns required
○ Supports 1–10 unit properties
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Built for scaling investors using rental income to qualify
Min. FICO 660 | Up to 80% LTV
○ Qualify based on rental income
○ Ideal for LLCs and portfolio growth
○ Flexible terms for investment expansion
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Access U.S. financing without traditional domestic documentation
Min. FICO Not Required | Up to 75% LTV
○ Designed for non-U.S. citizens buying property in the U.S.
○ Flexible loan structures for international borrowers
○ Great for rental income or long-term appreciation
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A full documentation option for international borrowers
Min FICO Not Required | Up to 75% LTV
○ Overseas assets can be used as reserves
○ One bank reference letter required
○ CPA letter for the last 2 years and year-to-date required
A full documentation option for international borrowers
Min FICO Not Required | Up to 75% LTV
○ Overseas assets can be used as reserves
○ One bank reference letter required
○ CPA letter for the last 2 years and year-to-date required
Qualify using assets instead of income
Min. FICO 620 | Up to 80% LTV
○ Convert liquid assets into qualifying income
○ No employment or income required
○ Ideal for retirees or high-net-worth clients
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Flexible financing for ITIN borrowers
Min. FICO 640 | Loan Amounts Up to $1M
○ Flexible mortgage financing available for borrowers without a Social Security Number
○ Wage earners may qualify using WVOE and bank statements without W2s or paystubs
○ Available for purchase and refinance transactions across multiple occupancy types
Designed for borrowers outside traditional income guidelines
Min. FICO 660 | Up to 80% LTV
○ No DTI calculation required
○ No income or employment verification required
○ Available for primary, second homes, and investment properties
Designed for borrowers needing flexible income options
Min. FICO 700 | Up to 70% LTV
○ Use full doc, 1099, P&L, or bank statements
○ Asset utilization available for qualification
○ Ideal for self-employed and complex income borrowers
Built for borrowers needing maximum flexibility
Min. FICO 660 | Up to 85% LTV
○ Flexible income documentation | 40-year options available
○ Use full doc, 1099, bank statements, or asset utilization
○ WVOE option available for simplified qualification
Designed for primary and second home borrowers
Min. FICO 660 | Up to 85% LTV
○ No income or employment verification required
○ Available for owner-occupied and second homes
○ Focus on credit profile and asset strength
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Short-term financing to move quickly on time-sensitive opportunities
No minimum FICO | Up to 90% LTV (purchase)
○ Up to 90% of the purchase price financed
○ Up to 100% of rehab costs covered, subject to ARV cap
○ No prepayment penalties
Qualify using assets instead of traditional income
Min. FICO 600 | Up to 80% LTV Purchase
○ Qualify using liquid assets with no traditional income verification required
○ Flexible qualification structure designed for cash-heavy borrowers
○ Available for primary residences and second homes with simplified underwriting
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Lower monthly payments with flexible financing options
Min. FICO 640 | Loan Amounts Up to $3M
○ Interest-only payment options available with lower initial monthly payments
○ Available for primary residences, second homes, and investment properties
○ Flexible financing structure with 5-Year and 10-Year IO term options
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Specialized Solutions for Unique Properties and Borrower Scenarios
Min. FICO 600 | Loan Amounts Up to $4M-$5M (Case-by-Case)
○ Financing available for specialty property types, including condotels, manufactured homes, short-term rentals, and 2-4 unit properties.
○ Multiple qualification options available, including DSCR, Bank Statements, Asset Utilization, WVOE, P&L, 1099, and Full Doc.
○ Flexible underwriting for borrowers with unique credit profiles, recent credit events, or non-traditional income sources.
A flexible mortgage solution for well-qualified borrowers
Min FICO 620 | Up to 97% LTV
○ Available for primary, second, and investment properties
○ No upfront funding fee required
○ Potentially lower rates for excellent credit
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Expanded conforming financing for higher-cost markets
Min FICO 620 | Up to 97% LTV
○ FICO as per AUS
○ Cash-out allowed
○ Available for primary, second, and investment properties
An affordable conventional option for eligible buyers
Min. FICO 620 | Up to 97% LTV
○ Up to $5,000 grant available
○ Flexible income sources allowed
○ Reduced PMI options
○ Ideal for first-time homebuyers
Finance the home and renovations in one loan
Min. FICO 620 | Up to 97% LTV
○ Eligible for primary, second, and investment properties
○ Uses after-completion appraised value
○ Can cover remodeling, repairs, ADUs, and more
Ideal for first-time homebuyers with no income or location limits
FICO per AUS, Up to 97% LTV
○ Loan amounts up to $832,750
○ Minimum down payment is 3%
○ Max CLTV is 105%; max LTV is 97%
A flexible government-backed option for buyers
Min. FICO 580 | As Low as 3.5% Down
○ Higher debt-to-income ratios allowed
○ Loans are assumable
○ Seller, builder, or lender credits may help with closing costs
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Higher FHA loan limits for qualifying borrowers in eligible areas
Min. FICO 580 | Up to 97.75% CLTV
○ Loan amounts up to $1,209,750
○ DTI as per AUS
○ Available for primary residences and second homes
Renovation financing is built into one loan
Min. FICO 580 | 3.5% Down Payment
○ Available for purchase or refinance
○ Covers structural repairs, additions, HVAC, roofing, and more
○ Can also include new appliances
A powerful benefit for eligible veterans and service members
Min FICO 580 | 0% down
○ Competitive interest rates
○ Flexible credit requirements
○ Assumable loan options available
Buy and renovate a home with one loan
Min. FICO 580 | Up to 100% LTV
○ Finance purchase or refinance plus renovation costs in one VA loan
○ No down payment and no monthly mortgage insurance for eligible Veterans
○ Covers repairs, upgrades, and improvements based on after-completion value
Affordable financing for eligible rural and suburban homebuyers
Min. FICO 580 | 0% down
○ Available in eligible rural or suburban areas
○ Designed for qualifying households
○ Great option for low-down-payment buyers
Flexible financing solutions for high-value home purchases
Min. FICO 700 | Up to 90% LTV
○ Designed for high-balance and luxury properties
○ Competitive pricing with flexible loan structures
○ No PMI options available (20% down)
○ Ideal for primary, second homes, or investment properties
Premium jumbo financing for highly qualified borrowers
Min. FICO 720 | Up to $3.5M
○ 15- and 30-year fixed options
○ Cash-out up to 75% HCLTV
○ No mortgage insurance required
Expanded high-balance financing with strong leverage options
Min. FICO 620 | Up to 90% HCLTV
○ Loan amounts up to $4M
○ 30- and 40-year fixed plus ARM options
○ DTI up to 55%
Financing for business growth and real estate investment
Min. FICO 680 | Up to 75% LTV
○ Access funds for expansion or commercial real estate
○ Potential tax advantages may apply
○ Built for investor and business-use scenarios
Fast and flexible financing outside traditional guidelines
No minimum FICO | Up to 70% LTV
○ Helpful for borrowers with poor credit
○ Often easier to qualify for than traditional loans
○ Built for speed and flexibility
Short-term financing for acquisition, renovation, and resale
Min. FICO 660 | 20% Down Required
○ Finance purchase price and rehab costs in one loan
○ No payments required for the first 12 months
○ Interest rates typically range from 9%–11%
Build your home with one loan, one approval, and one closing
Min FICO 700 | Up to 95% LTV
○One-time closing, no need to refinance after construction
○ Lock your rate upfront for long-term stability
○ Finance construction costs and land in one loan
○ Streamlined process from build to move-in
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Fast funding for project-based real estate opportunities
No minimum FICO | Up to 82% LTC
○ 1% origination fee to Easy Street Capital
○ Built for quick execution
○ Ideal for construction-focused financing needs
Flexible financing for new construction projects
Up to 90% LTC | Up to 70% LTV
○ Loans up to $3M
○ In-house construction management and inspections
○ Contact your rep for current rates
Long-term financing for rental and investment properties
Min. FICO 660 | Up to 80% LTV
○ Eligible for single rentals, vacation homes, and multi-unit portfolios
○ Competitive rates available
○ Built for long-term real estate investors
Designed for homeowners and investors
Stand-alone second lien | Flexible property eligibility
○ Fixed-rate second mortgage structure
○ No need to refinance existing first lien
○ Ideal for leveraging equity while keeping low rates
Designed for homeowners looking to maximize financing
First + HELOC combo | Reduce out-of-pocket costs
○ Simultaneous financing with first lien and HELOC
○ Access additional funds at closing
○ Flexible structure for purchase transactions
Designed for homeowners needing fixed second lien financing
Up to 85% CLTV | Fixed-rate second lien
○ Predictable fixed monthly payments
○ Access equity without refinancing the first mortgage
○ Ideal for cash-out or consolidation
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Designed for homeowners seeking stable equity access
Fixed-rate HELOC | Predictable payments
○ Based on CLTV and credit profile
○ Access funds without refinancing the first mortgage
○ Ideal for long-term planning and stability
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Designed for homeowners needing additional financing
Fixed-term second lien | Access equity without refinance
○ Standard second mortgage structure
○ Allows gift funds in some cases
○ Ideal for cash-out or supplemental financing
Designed for homeowners looking to access their equity
Flexible condo eligibility | Primary, second, and investment use
○ Qualify using full doc or asset utilization
○ Available for owner-occupied and investment properties
○ Ideal for cash-out, debt consolidation, or investing
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Financing for medical professionals at different career stages
Min. FICO 680 | Up to 95% LTV
○ Up to $2M for licensed professionals who completed residency
○ Up to $1M for residents, interns, and fellows
○ Primary residence purchase only
Unlock equity so you can move before your current home sells
Min. FICO 660 | Up to 80% LTV
○ Make a stronger offer on your next home
○ Avoid moving twice
○ Built for smoother equity transitions
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Extra lender credit support to reduce borrower costs
Min. FICO 640 | Up to 97% LTV
○ Credit comes from premium pricing
○ Can help reduce cash needed at closing
○ Useful for affordability-focused financing
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Financing for condos that fall outside standard lending guidelines
Min. FICO 660 | Up to 85% LTV
○ Access financing for non-traditional condo properties
○ Ideal for projects that do not meet agency standards
○ Helps open more condo purchase opportunities
Flexible financing for a wide range of manufactured housing
FICO as Low as 500 | Up to 100% Financing on Select Programs
○ Available with FHA, VA, USDA, and Conventional options
○ Eligible for singlewide, doublewide, and triplewide homes
○ Includes purchase, rate-term, and cash-out options
Financing for borrowers without traditional credit
Min. FICO Not Required | Up to 97% LTV
○ Alternative credit like rent, utilities, and phone bills may be used
○ Available with FHA, FNMA, and VA options
○ Eligible for SFRs, condos, PUDs, and some manufactured homes
Access home equity through a reverse mortgage structure
Min. FICO 600 | Loan Amounts Starting at $40,000+
○ Convert home equity into accessible funds with no monthly mortgage payments
○ Available for primary residence refinance with required counseling
○ Residual income and credit requirements apply based on borrower profile
Designed for very-low-income first-time homebuyers
Min FICO 620 | Up to 97% LTV
○ Helps eliminate upfront cash barriers
○ Includes an assistance component to offset costs
○ Ideal for borrowers with limited savings
Designed for low-to-moderate income homebuyers
Grant-based assistance | No repayment required
○ Available with FHA and conventional loans
○ Helps cover down payment and closing costs
○ Income-targeted eligibility, Ideal for first-time buyers
Perfect for first-time homebuyers with limited funds
FHA 580–599 FICO | No Min. LTV or Max. CLTV
○ Forgivable or repayable assistance options
○ Available with FHA and USDA loans
○ Helps cover down payment and closing costs
Designed for buyers needing flexible assistance options
Min. FICO 620 | Up to 97% LTV
○ First-time homebuyer eligibility may not be required
○ Helps reduce upfront cash needed
○ Flexible qualification structure
Designed for buyers seeking lower upfront costs
Down payment assistance with shared appreciation
○ Second lien tied to future home value
○ Reduces initial cash investment
○ Ideal for long-term homeowners
Designed for FHA borrowers needing assistance
Min. FICO 620 | Up to 97% LTV
○ Available for standard and blended credit profiles
○ Helps reduce cash to close
○ Works with FHA financing
○ Supports first-time homebuyers
Designed for eligible Florida homebuyers and occupations
Min. FICO 640 | Up to 97% LTV
○ State-specific program with income/occupation eligibility
○ Helps cover down payment and closing costs
○ Supports workforce housing initiatives
○ Ideal for primary residence purchases
Designed for first-time buyers needing support
Min. FICO 620 | Up to 97% LTV
○ Allows seller concession flexibility
○ DU approve/eligible required
○ Helps reduce upfront costs
○ Works with standard agency financing
Designed for FHA borrowers needing upfront assistance
Min. FICO 580 | Up to 96.5% LTV
○ No silent second lien
○ Helps reduce cash to close
○ Works with FHA loans
○ Simple and clean structure
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Designed for FHA borrowers needing assistance
Min. FICO 620 | Up to 97% LTV
○ Available for standard and blended credit profiles
○ Helps reduce cash to close
○ Works with FHA financing
○ Supports first-time homebuyers
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Financing Solutions for Hotel-Style Condominium Properties
Min. FICO 600 | Loan Amounts Up to $4M
○ Finance eligible condotel and resort-style properties with flexible qualification options.
○ Full Doc, Bank Statement, and DSCR programs available for owner-occupied, second home, and investment properties.
○ Up to 75% LTV purchases, Airbnb income eligibility, entity vesting options, and no reserve requirements.
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