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Specialty Products
Specialty Products
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Homeownership Empowerment Program

  • Easy Automated Qualification Process

  • Non-QM Doc Types at 96.5% LTV

  • 3 Months Bank Statements/P&L/1099/ WVOE 

  • Less than 1 year Self-Employed OK

  • US Citizens / PR / ITIN / DACA / NPRA / TPS Accepted

  • 1 day BK Seasoning & 50/60 DTI

  • Exceptions Allowed for FICOs below 580

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Down Payment Assistance

  • Up to 101.5% CLTV

  • No Borrower Down Payment Required

  • Forgivable & Repayable DPA Options

  • No Income or Location Restrictions

  • 580 Minimum FICO 

  • Manual UW Accepted

  • Non-Occupant Co-Borrowers Allowed

Non-QM Products
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Flexible Income Solutions

  • Loan Amounts up to $3.5 Million

  • FTHB to $2 Million

  • 2/1 Buydowns Available 

  • No Seasoning on Cash Out Required to use Appraised Value

  • Use Cash Out as Reserves

  • More than 1 ADU & ADU Rental Income Accepted

  • Recently Listed Properties Accepted

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Bank Statement Lending

  • Loan Amounts up to $3.5 Million

  • Consumer Purpose Full/ Alt Doc options available up to 90% LTV

  • Business Purpose  Full/ Alt Doc options available up to 85% LTV

  • Manufactured / Rural / up to 20 acres Accepted

  • FTHB & Non-Occupant Co-Borrowers Accepted

  • Use Cash Out as Reserves

  • No Seasoning on Cash Out Required to use Appraised Value

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Cash-Flow Based Loans

  • Business Purpose Loan Amounts up to $3 Million

  • FTHB to $2 Million

  • 2/1 Buydown with Interest Only Options Available

  • Qualify on Higher of 1007 or Lease

  • Qualify using Highest Representative FICO Score 

  • No Seasoning on Cash Out Required to use Appraised Value

  • More than 1 ADU & ADU Rental Income accepted

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Expanded Flexibility Business Purpose

  • Business Purpose Loan Amounts up to $3 Million

  • Full/Alt Doc & DSCR options Available up to 85% LTV

  • ITIN / Foreign National / Non-Permanent Resident Aliens Accepted

  • Manufactured / Rural / up to 25 acres Accepted

  • Qualify on the higher of 1007 or the Lease

  • Qualify using the Highest Representative FICO Score

  • No Seasoning on Cash Out Required to use Appraised Value

Credit Access for ITIN Buyers

  • Loan Amounts up to $2 Million

  • No SSN, W2s, or Paystubs Required 

  • Full & Alt Doc (P&L / 1099 / WVOE / Bank Statements)

  • Consumer & Business Purpose options Available

  • FTHB & Non-Occupant Co-Borrowers Accepted

  • No Seasoning on Cash Out Required to use Appraised Value

  • 100% Gift Funds Accepted

Traditional Products
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  • 96.5% LTV at 580+ FICO

  • 90% LTV at 500+ FICO 

  • No FICO Options Available

  • 2/1 Buydowns Allowed

  • Simplified UW with FHA EZ

  • Manufactured Housing Specialists

  • Manual UW Accepted

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  • 100% LTV at 550+ FICO

  • No Borrower Down Payment Required

  • 580+ Fico Manual UW Available

  • High-Balance Max Loan Amounts Accepted

  • Non-Traditional Credit Accepted

  • Manufactured Housing Specialists

  • Must meet USDA Section 502 Criteria

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  • 100% LTV  at 580+ FICO(Purchase & Cash-Out)

  • 90% LTV No Score Options Available

  • No Limit CLTV  Options on IRRRLs

  • 2/1 Buydowns Allowed

  • Joint/ Dual Entitlement Accepted

  • DTI Per AUS with Approval/Acceptance

  • Manual UW Accepted

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  • 97% LTV per AUS 

  • 620+ FICO Required

  • 2/1 Buydowns Allowed

  • FTHB & Non-Occupant Co-Borrowers Accepted

  • Manufactured Housing Specialists

  • Loan Amounts Down to $50,000

  • More than 1 ADU & ADU Rental Income Accepted

Traditional Products
Non-QM Products
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Quick Links

3211 Internet Blvd., Suite 300, Frisco, TX 75034

NMLS ID #222730

 1-866-462-4891

​

FHA Lender ID: 7906300005
VA Lender ID: 9010450000​

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© 2026 Open Mortgage Wholesale, DBA of GenWay Home Mortgage, Inc. Corporate Office is at 3211 Internet Boulevard, Suite 300, Frisco, TX 75034. All Rights Reserved. NMLS ID # 222730. Tel: 1-866-462-4891. To see the states where the company is licensed and where the DBA is used, please visit www.nmlsconsumeraccess.org. This is intended for industry professionals only and not intended for or directed at consumers. This is not an advertisement to extend credit as defined by TILA/Regulation Z nor an application for credit as defined by RESPA/Regulation X. Credit and collateral are subject to approval. Program and other restrictions may apply. Programs, rates, terms, and conditions are subject to change without notice.

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