LOAN PROGRAMS OFFERED

Conventional

• Freddie/fannie  Primary, Second Home, Investment
• Freddie/fannie Manufactured Homes primary and second homes double/single wide age restrictions
• FNMA HomeReady and Standard 3% down (better rate its income based) first time homebuyer
• FHLMC HomePossible and HomeOne Purchase 3% down (same as above just fannie maes product)

Government

• FHA Fixed 
• FHA refinance rate and term up to 96.5%
• FHA Cash Out Refinance up to 85% 
• VA Fixed 
• VA IRRRL essentially a no credit score refinance super simple
• VA Manufactured Homes (Double and single-wide)
• USDA Fixed
• USDA Manufactured Homes (Double and single-wide) new

Brokered Loans

• Angel Oak bank statement loans or 1099s only
• Deephaven a second option for above
• Change Wholesale: no income verification loan 

Other Products/Resources

• Temporary Buydowns2-1 buy down very helpful in this market (paid by seller)
• Construction to perm Two Time Close Product primary (10% down) secondary and investment (30% down)
• Planet Home HELOAN (like a Heloc)

DOWN PAYMENT ASSISTANCE PROGRAMS

• Bond Loan Programs – FHA, USDA, and Fannie Mae up to 10K income specific
• HANDS (forgivable assistance)
• Hometown Heroes – Government and Conventional up to 35K only 35M left 

Non-Conforming

• Jumbo loans available up to 3M