DreamBuilder HEP
(Homeownership Empowerment Program)
Designed to create future homebuyers through a lease-to-own opportunity
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Up to 96.5% LTV
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Self Employed 3 month Bank Statement
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<580 & No Score Options Available
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ITIN & DACA Eligible
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Max 50/60 DTI
Expanded NonQM + ITIN
AKA WayFinder
ITIN & Low Fico NONQM Consumer Purpose Full & Alt / Business Purpose Full & Alt Doc
Borrowers with past credit challenges? Help them find their way into homeownership.
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Up to 90% LTV
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Credit Scores Down to 640
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ITIN All Occupancies Accepted
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Loan Amounts up to $3M Available
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Rural Properties Accepted
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FTHB Allowed up to $2M
Premium Alt Doc
AKA The Contender
90% LTV NONQM Consumer Purpose Full & Alt / Business Purpose Full & Alt Doc
One of the most inclusive Alt-doc programs available
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2 Month Bank Statement Program Available
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Consumer & Business Purpose Alt Doc Available
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Credit Scores Down to 660
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Reserve Requirements as low as 3 Months
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Loan Amounts up to $3M Available
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FTHB Allowed up to $2M
DSCR + ITIN
AKA TrailBlazer
DSCR / ITIN DSCR / MANF DSCR / FN DSCR / STR DSCR
For investors looking to grow or leverage their real estate portfolios
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Up to 85% LTV
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Credit Scores Down to 640
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ITIN and Foreign National Available
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Manufactured Housing DSCR Allowed
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No Ratio DSCR Allowed
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Short-Term DSCR to .75
FHA
FHA / FHA EZ / FHA SL
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Simplified Underwriting with FHA EZ
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NO FICO Streamlines Accepted
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Credit Scores down to 500
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Manual Underwrites Allowed
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Manufactured Housing Allowed
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2-1 Buydowns Allowed
USDA
100% Financing / SL Assist
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100% Financing
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No Borrower Down Payment Required
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Credit Scores down to 550
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Non-Traditional Credit Accepted
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Manufactured Housing Allowed
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Manual Underwrites Allowed
VA
VA / VA HB / VA IRRRL / 100% Financing / Dual Entitlement / Joint Loans
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100% Financing
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NO FICO IRRRLs Accepted
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Credit Scores down to 540
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Cash-Out > 90 Allowed
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Joint Loans/ Split Entitlement Accepted
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Loan Amounts down to $50,000 Accepted
Conforming
FMHLC / FNMA
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97% Financing
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Credit Scores down to 620
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Non Occupant Co-Borrowers Allowed
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Manufactured Housing Allowed
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2-1 Buydowns Allowed
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Loan Amounts down to $50,000 Accepted
One-Time Close
Coming Soon!
Jumbo
Coming Soon!
LegacyBuilder DPA
(Down Payment Assistance)
Industry-leading down payment assistance programs
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100% Financing
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No Borrower Down Payment Required
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No Income Limits or Restrictions
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Credit Scores Down to 580
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Manual Underwrites Allowed
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Non-Occupant Co-Borrowers Allowed