We combine pricing, experience and technology.

We understand that every borrower is different and we underwrite to AUS & common sense with minimal overlays.

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Investor Program
(DSCR)

No Income, No Employment, No Tax Returns
Qualify based on cash flow of the subject property
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Fast Turn-Time
(24 Hours)

No other lender gets your loans closed faster !
CLOSE ON TIME, IT'S NOT DIFFICULT !

TVOE
(Wage-Earners)

No Paystubs, W-2s, No 4506T
We will use the WRITTEN VERIFICATION OF EMPLOYMENT for qualifying purposes to make an estimate of your ability to pay.
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Portfolio Reduced DOC
(Self-Employed)

No Paystubs, W-2s, No 4506T
We will use the P&L STATEMENT or/and BANK STAEMENTS for qualifying purposes to make an estimate of your ability to pay.
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Jumbo Prime

Delegated Underwriting
Close Jumbo Loan FASTER, PRICING got even BETTER !
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HomeReady &
Home Possible Advantage

Min. 620+ FICO up to 97% LTV and may get even better pricing and less MI than conventional & FHA.
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We work hard for your success
We are an approved Fannie Mae seller/servicer,
FHA approved Title II and Portfolio Lender licensed in multiple states.
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Forms

Download Key forms used for mortgage transactions with us.
Daily Rates

Access the most current rate sheets or download previous rate sheets.

Flyers

Create customized flyers by inserting your logo & contact information.

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Prime
Prime Conforming DU Prime Conforming LP Prime High Balance DU Prime Super Conforming LP
01

Delegated Underwriting

Investor Program
(DSCR)

No Income, No Employment, No Tax Returns
Qualify based on cash flow of the subject property

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02

Delegated Underwriting

ITIN

No Green Card, No work VISA, No SSN
Allows undocumented borrowers with an Individual Tax Identification number to purchase a primary home in the United States.

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03

Delegated Underwriting

Foreign National

No SSN, No US credit, No U.S. Tax Returns
Qualify based on Foreign tax returns or cash flow of the subject property

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04

Delegated Underwriting

TVOE
(WAGE-EARNER)

We will use WVOE for qualifying purpose
No 4506T

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05

Delegated Underwriting

Portfolio Reduced Doc
(SELF-EMPLYED)

We will use P&L Statement OR/AND Bank Statements for qualifying purpose
No 4506T

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06

Delegated Underwriting

Prime Jumbo

You are in control. Pricing got even better!

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07

Any County up to $679,650

Extended High Balance

Flexible guidelines and fewer requirements than a traditional jumbo.

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08

3% Down Conventional Option

HomeReady
Home Possible Advantage

Down payment as low as 3% down with no minimum borrower contribution.

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09

Avoid PMI or JUMBO Loans

Piggyback HELOC

Using DU or LP Findings rather than a traditional jumbo and close quicker.

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Creative. Experienced. Reliable.

We are committed to providing our partners with aggressive pricing and the highest level of service with Cutting Edge Technology.
We offering you the latest in technology tools that enable you to close smooth and simple.
Pricing Engine

Pricing Mortgage Rates Has Never Been Easier. Try our Product Finder to find the best program and rate that fits your client's need.

eDisclosures

Send initial disclosures and get e-signatures. It is the quickest, simplest, and most secure way to sign and return initial disclosures.

Paperless

Easily register, upload conditions and view related documents with the click of a button. No special software is required.

eNotification

Personalized Loan Milestone Emails & Alerts throughout the entire Loan Process. Streamline your loan process with automated alerts.

Mobile App
Our mobile makes your loan processing easier and faster !
Condition

Review and upload conditions using your camera or files stored on iCloud Drive, Dropbox, google drive.

File Management

File management allows you to view/download documents you have uploaded.

Order the Appraisal

Order the appraisal quickly through the Mortgage Mac mobile app.

Rate Lock

Request rate lock in just seconds. Provides information related to locks, locked date, expired date and lock period.

COC

Complete your COC through the Mortgage Mac mobile app. Mortgage Mac will validate if this request constitutes a valid change of circumstance.

Doc Request

Request for closing documents in seconds. The initial CD will be prepared and sent to the closing agent for review.

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