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Home / LOAN PROGRAMS / Second home

Second home

Second home-summary-img

Summary

There are many reasons for refinancing your home. Refinancing your mortgage can be used to reduce monthly payments, consolidate debt, or access home equity. We are here to listen and help achieve your goals!

Available Programs

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Lower Payment: Long considered the top choice for all first-time homebuyers. FHA allows for more flexible underwriting guidelines with as little as 3.5% down.
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Take Cash Out: The most common and secure home loan option. Conventional loans offer the widest variety of options for first time home buyers including the 3% down option.
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Shorten Loan Term : 100% financing available for all eligible service members, veterans, and surviving spouses!
■ Programs
EXPLORE OUR LOAN OPTIONS

Jumbo Loan

We offer jumbo financing for loan amounts greater than the conforming limit of $548,250. 3.5% down up to $1.5 Million & 5% down up to $2 Million!

QUALIFICATIONS

MINIMUM DOWN PAYMENT
3.5%
MINIMUM CREDIT SCORE
620
MAX DEBT-TO-INCOME RATIO
55%
NON-OCCUPANT CO-BORROWER
ALLOWED
MORTGAGE INSURANCE
NO
ELIGIBLE PROPERTY TYPES
SINGLE FAMILY RESIDENCE, 1-4 UNIT, PUD’S, TOWNHOUSE, CONDO, NON-WARRANTABLE CONDO, AND CONTELS.
MAX LOAN AMOUNT
$10,000,000

Super Jumbo Loan

We offer jumbo financing for loan amounts greater than the conforming loan limit.

QUALIFICATIONS

MINIMUM DOWN PAYMENT
40%
MINIMUM CREDIT SCORE
680
MAX DEBT-TO-INCOME RATIO
50%
NON-OCCUPANT CO-BORROWER
ALLOWED
MORTGAGE INSURANCE
NO
ELIGIBLE PROPERTY TYPES
SINGLE FAMILY RESIDENCE, 1-4 UNIT, PUD’S, TOWNHOUSE, CONDO, NON-WARRANTABLE CONDO, AND CONDTELS.
MAX LOAN AMOUNT
$10,000,000
RESERVES
12-24 MONTHS (BASED ON LOAN AMOUNT)
OCCUPANCY TYPE
PRIMARY, SECONDARY, AND INVESTMENT

Frequently Asked Questions

I'm a real estate investor, what's your minimum credit score?
Case by case basis but usually 500
Do you offer any 100% for first time home buyers?

We know the industry and know how much other companies are trying to make off every loan. We have our comp levels set at least a half point lower than the competition which allows our company to always provide the lowest rate at the lowest cost on any given day.

What's the minimum down payment needed for a first time home buyer?

We know the industry and know how much other companies are trying to make off every loan. We have our comp levels set at least a half point lower than the competition which allows our company to always provide the lowest rate at the lowest cost on any given day.

What's the min credit score for a first time home buyer

We know the industry and know how much other companies are trying to make off every loan. We have our comp levels set at least a half point lower than the competition which allows our company to always provide the lowest rate at the lowest cost on any given day.

What if my credit score is less than 580?

We know the industry and know how much other companies are trying to make off every loan. We have our comp levels set at least a half point lower than the competition which allows our company to always provide the lowest rate at the lowest cost on any given day.

Can cash be used for down payment?

We know the industry and know how much other companies are trying to make off every loan. We have our comp levels set at least a half point lower than the competition which allows our company to always provide the lowest rate at the lowest cost on any given day.