We can help with the following programs:

1) First Time Home Buyer Program
a. Borrowers can borrow up to 90% of the purchase price
b. If first mortgage 85% or less, all of the down payment funds may be gift funds from family, customer
reserves, or borrowed against other assets
c. Seller concessions up to 3% allowed
d. No mortgage insurance

2) 90% LTV Purchase Money Program
a. Loan amounts up to $750,000 at 90% LTV
b. Available as traditional ARM and fixed rate programs
c. Maximum 90% CLTV
d. Available on owner-occupied single family residences, duplexes, townhomes, two-flats, and modular homes
e. No mortgage insurance

3) Jumbo Purchase Money
a. First mortgages up to $1,500,000 at 80% LTV (90% CLTV allowed)
b. No bump to rate or pricing for loan amounts up to $1,000,000
c. Available as traditional ARM, interest-only ARM, and fixed rate
d. 30 year fixed with interest only also available
e. Available on owner-occupied single family residences, duplexes, townhomes, two-flats, and modular homes
f. No mortgage insurance

4) Super Jumbo Purchase Money
a. First mortgages up to $3,000,000 at 60% LTV (70% CLTV allowed) 1
b. First mortgages up to $2,000,000 at 75% LTV (90% CLTV allowed)
c. Primary residence, detached single family residences only
d. Available as traditional ARM or fixed rate
e. No mortgage insurance

5) Purchase Money Second Mortgages
a. Available as fixed rate or HELOC
b. Our second mortgage only available behind our purchase money first mortgage
c. Maximum 85% CLTV

Please contact us for more details and product descriptions.