top of page

Loan Program Overview with Wide Open Possibilities

From traditional agency loan programs to Alt-Doc, a true No Ratio, and our flagship DreamBuilder, our full product suite is designed to help you serve more clients and close more loans.

Products & Matrices

USDA

  • 100% LTV at 550+ FICO

  • No Borrower Down Payment Req'd

  • 580+ FICO Manual UW Available

  • High-balance max Loan Amounts Accepted

  • Non-traditional Credit Accepted

  • Manufactured Housing Specialists

  • Must meet USDA Section 502 Criteria

Conventional

  • 97% LTV per AUS 

  • 620+ FICO Req'd

  • 2/1 Buydowns Allowed

  • FTHB & Non-Occupant Co-Borrowers OK

  • Manufactured Housing Specialists

  • Loan Amounts down to $50,000

  • More than 1 ADU & ADU Rental Income OK

VA

  • 100% LTV at 580+ FICO (Purch. & C/O)

  • 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

FHA

  • 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

Explorer ITIN

Credit Access for ITIN, Non-Perm, & Foreign National (Alt-Doc)

  • Loan Amounts up to $2 million

  • No SSN, W-2s, or Paystubs Required 

  • Full & Alt-Doc (P&L, 1099, WVOE, Bank Stmt)

  • Consumer & Business Purpose Options

  • FTHB & Non-Occupant Co-Borrowers OK

  • No Seasoning on C/O Req'd - Ownership/Appraised Value

  • 100% Gift Funds Accepted

WayFinder

Full & Alt-Doc. Low FICO. Foreign National Consumer & Business Purpose.

  • Loan Amounts up to $3.5 million

  • CP: Full / Alt-Doc Options up to 90% LTV

  • BP: Full / Alt-Doc Options up to 85% LTV

  • Manufactured & Rural up to 20 Acres 

  • FTHB & Non-Occupant Co-Borrowers OK

  • Use Cash-out as Reserves

  • No Seasoning on C/O Req'd - Ownership/Appraised Value

TrailBlazer Plus

Expanded Flexibility

  • Business Purpose Loan Amounts up to $3 million

  • Full/Alt-Doc & DSCR Options up to 85% LTV

  • ITIN / Foreign National / NPRA Accepted

  • Manufactured & Rural, up to 25 Acres OK

  • Qualify on the Higher of 1007 / Lease

  • Qualify using the Highest Representative FICO Score

  • No Seasoning on C/O Req'd - Ownership/Appraised Value

TrailBlazer DSCR

Business Purpose Investment. Non-Perm & Foreign National. 

  • Loan Amounts up to $3 million

  • FTHB to $2 million

  • 2/1 Buydown with I/O Options 

  • Qualify on Higher of 1007 / Lease

  • Qualify using Highest Representative FICO Score 

  • No Seasoning on C/O Req'd - Ownership/Appraised Value

  • More than 1 ADU & ADU Rental Income OK 

Contender

Flexible Income Solutions

  • Loan Amounts up to $3.5 million

  • FTHB to $2 million

  • Written VOE

  • No Seasoning on C/O Req'd - Ownership/Appraised Value

  • Use Cash-out as Reserves

  • More than One ADU & ADU Rental Income OK

  • Recently Listed Properties Accepted

LegacyBuilder DPA

Down Payment Assistance

  • Up to 101.5% CLTV

  • No Borrower Down Payment Req'd

  • Forgivable & Repayable DPA Options

  • No Income or Location Restrictions

  • Minimum 580 FICO

  • Manual UW Accepted

  • Non-Occupant Co-Borrowers Allowed

DreamBuilder

Homeownership Empowerment

  • Automated Qualification Process

  • Non-QM Doc Types at 96.5% LTV

  • 3-mos Bank Stmts, P&L, 1099, WVOE 

  • Less than 1 year Self-Employed OK

  • US Citizens, PR, ITIN, DACA, NPRA, TPS

  • 1 day BK Seasoning & 50/60 DTI

  • Exceptions Allowed for FICOs below 580

bottom of page