25_Products & Matrices | Open Mortgage

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DREAM Portal Login

Access TPO Connect Portal

DREAM Portal Login

DreamBuilder HEP
(Homeownership Empowerment Program)

Designed to create future homebuyers through a lease-to-own opportunity

Up to 96.5% LTV
Self Employed 3 month Bank Statement
<580 & No Score Options Available
ITIN & DACA Eligible
Max 50/60 DTI

LegacyBuilder DPA
(Down Payment Assistance)

Industry-leading down payment assistance programs

100% Financing
No Borrower Down Payment Required
No Income Limits or Restrictions
Credit Scores Down to 580
Manual Underwrites Allowed
Non-Occupant Co-Borrowers Allowed

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.

Up to 90% LTV
Credit Scores Down to 640
ITIN All Occupancies Accepted
Loan Amounts up to $3M Available
Rural Properties Accepted
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

2 Month Bank Statement Program Available
Consumer & Business Purpose Alt Doc Available
Credit Scores Down to 660
Reserve Requirements as low as 3 Months
Loan Amounts up to $3M Available
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

Up to 85% LTV
Credit Scores Down to 640
ITIN and Foreign National Available
Manufactured Housing DSCR Allowed
No Ratio DSCR Allowed
Short-Term DSCR to .75

FHA

FHA / FHA EZ / FHA SL

Simplified Underwriting with FHA EZ
NO FICO Streamlines Accepted
Credit Scores down to 500
Manual Underwrites Allowed
Manufactured Housing Allowed
2-1 Buydowns Allowed

USDA

100% Financing / SL Assist

100% Financing
No Borrower Down Payment Required
Credit Scores down to 550
Non-Traditional Credit Accepted
Manufactured Housing Allowed
Manual Underwrites Allowed

VA
VA / VA HB / VA IRRRL / 100% Financing / Dual Entitlement / Joint Loans

100% Financing
NO FICO IRRRLs Accepted
Credit Scores down to 540
Cash-Out > 90 Allowed
Joint Loans/ Split Entitlement Accepted
Loan Amounts down to $50,000 Accepted

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