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Loan Products

30-year fixed, 40-year fixed* and 40-year interest only* (10-interest only, 30-year amortization period)

700+ FICO
Up to 50% DTI and up to 89.99% CLTV
DU only
- 40-year fixed will be a manual underwrite
Loan amounts starting $1 over the greater of the conforming loan limits or High-Agency Cost limit up to $5M
Eligible on primary, second and investment property purchases and rate/term refinances. Cash-out refinances only eligible on primary and second homes.
Reserve requirements for Purchases and Rate/Term Refinances
- For primary purchase loan amounts up to $5M – 6-12 months’ reserves required
- For second home purchase loan amounts up to $3M – 9-12 months’ reserves required
- For investment home purchase loan amounts up to $2.5M – 12 months’ reserves required
Reserve requirements for Cash-Out Refinances
- Minimum 9 months’ reserves required (max cash out $300,000 or $500,000 with 10% CLTV reduction)
Two separate appraisals from two different appraisers required for loan amounts over $2M
Temporary Rate Buydowns not permitted
Control Your Price Eligible (No match allowed on 40-year loan term loans)
Interest Only Not Eligible in West Virginia

*The principal and interest payment on a $400,000 40-year Fixed-Rate Loan at 7.625% and 80% loan-to-value (LTV) is $2,669.31 The Annual Percentage Rate (APR) is 7.855% with estimated finance charges of $10,000. The principal and interest payments, which will continue for 480 months until paid in full, do not include taxes and home insurance premiums, which will result in a higher actual monthly payment. Rates current as of 03/12/26. Subject to borrower approval. Some exclusions may apply. The interest-only payment on a $400,000 40-year Fixed-Rate loan at an initial interest rate of 7.875%, is $2,625.00 for the first 120 months of interest-only payments. The Annual Percentage Rate (APR) for this loan type is 8.102% with estimated finance charges of $10,000. After the initial 120 months, the payment will increase to include principal and interest, resulting in 360 payments of $2,900.28 until paid in full. This payment does not include taxes and home insurance premiums, which will result in a higher actual monthly payment. Rates current as of 03/12/26. Subject to borrower approval. Some exclusions may apply.

30-year fixed

660+ FICO
Up to 50% DTI and up to 89.99% CLTV
Loan amounts up to $2M reserves determined by DU/LPA findings
- Loan amounts over $2M — require 6 months in reserves in addition to any reserves required by AUS
Loan amounts starting $1 over the conforming loan limits up to $3M
Eligible on primary, second and investment property purchases, rate/term and cash-out refinances
For Purchase and Rate/Term Refinances
- For primary purchase loan amounts up to $3M – 6-12 months’ reserves required
- For second home purchase loan amounts up to $3M – 9-12 months’ reserves required
- For investment home purchase loan amounts up to $1.5M – 12 months’ reserves required
For Cash-Out Refinances
- For primary cash-out loan amounts up to $2M – 6-12 months’ reserves required
- For second home cash-out loan amounts up to $2M – 9-12 months’ reserves required
- For investment home cash-out loan amounts up to $1.5M – 12 months’ reserves required
Two separate appraisals from two different appraisers required for loan amounts over $1.5M
Temporary Rate Buydowns eligible on primary and second home purchases

30-year fixed

720+ FICO
Up to 50% DTI and up to 80% CLTV
Loan amounts starting $1 over the conforming loan limits up to $3.5M
Eligible on primary and second home purchases, rate/term and cash-out refinances
For Purchase and Rate/Term Refinances
- For primary purchase loan amounts up to $2M – 6-9 months’ reserves required
- For primary purchase loan amounts over $2M – 24 months’ reserves required
- For second home purchase loan amounts up to $2M – 6-9 months’ reserves required
For Cash-Out Refinances
- For primary cash-out loan amounts up to $2M – 6-9 months reserves required
- For second home cash-out loan amounts up to $2M – 6 months reserves required
Two separate appraisals from two different appraisers required for loan amounts over $2M
Temporary Rate Buydowns not permitted

30-year fixed

660+ FICO
Up to 50% DTI and up to 89.99% LTV
Loan amounts starting $1 over the conforming loan limits up to $5M
- Conforming loan limits allowed on cash-out refinances at or below 80% LTV (6 mo. seasoning)
  Minimum loan amount on cash-out refinances at or below 80% LTV determined by AUS findings
Eligible on primary, second and investment property purchases, rate/term and cash-out refinances
- Purchase and rate and term refinances up to $5M
- Cash-out refinances up to $3M
Reserve requirements
- Loan amounts up to $2M — determined by DU/LPA findings
- Loan amounts over $2M — 6 months’ reserves in addition to any reserves required by AUS
Two separate appraisals from two different appraisers required for loans over $2M
Temporary Rate Buydowns eligible on 30-year primary and second home purchases

40-year fixed* and 40-year interest only* (10-interest only, 30-year amortization period)

680+ FICO
Up to 50% DTI and up to 80% LTV
Loan amounts starting $1 over the conforming loan limits up to $2M
Eligible on primary, second and investment property purchases, rate/term and cash-out refinances
- Purchase and rate and term refinances up to $2M
- Cash-out refinances up to $2M
Reserve requirements
- Determined by AUS
Two separate appraisals from two different appraisers required for loans over $2M
Temporary Rate Buydowns eligible on 30-year primary and second home purchases
Control Your Price Eligible (No match allowed)
Interest Only Not Eligible in West Virginia or Texas 50(a)6

30-year fixed

660+ FICO
Up to 50% DTI and up to 90% LTV
Loan amounts starting at $400,000 up to $3.5M
Loan amounts up to $2M — reserves determined by DU/LPA findings
Loan amounts between $2M - $3M — require 6 months in reserves in addition to any reserves required by AUS
Loan amounts over $3M — require 12 months reserves in addition to any reserves required by AUS
Eligible on primary, second and investment property purchases, rate/term and cash-out refinances
Two separate appraisals from two different appraisers required for loan amounts over $2M
Temporary Rate Buydowns eligible on primary and second home purchases

30-year fixed

700+ FICO
Up to 45% DTI and up to 80% LTV
Loan amounts starting at $600,000 up to $3M
Reserves determined by DU/LPA findings
Eligible on primary home purchases, rate/term and cash-out refinances
Temporary Rate Buydowns not permitted
Appraisal waiver not applicable

Loan amounts up to $5M
680+ FICO and up to 45% DTI
Up to 80% LTV
Eligible on primary, second and investment properties for purchases, rate/term and cash-out refinances
One appraisal required for purchases up to $3M and refinances up to $2M*
Two appraisals from two different appraisers required for refinances over $2M*
Loan amounts greater than $2M require 18 months of reserves in addition to any reserves required by AUS

*Appraisal waivers are not applicable on Prime Jumbo, Prime Jumbo Released, Prime Jumbo ARMs, Prime Jumbo Interest Only, Prime Jumbo Max and Prime Jumbo Max ARMs.

Loan amounts up to $5M
700+ FICO and up to 43% DTI
Up to 80% LTV
10-year interest only, 20-year amortization period
Eligible for primary and second homes for purchases and rate/term refinances
One appraisal required for purchases up to $3M and refinances up to $2M*
Two appraisals from two different appraisers required for refinances over $2M*
Loan amounts up to $1M require 12 months of reserves in addition to any reserves required by AUS
Loan amounts over $1M require 24 months of reserves in addition to any reserves required by AUS

*Appraisal waivers are not applicable on Prime Jumbo, Prime Jumbo Released, Prime Jumbo ARMs, Prime Jumbo Interest Only, Prime Jumbo Max and Prime Jumbo Max ARMs.

Loan amounts up to $3M
660+ FICO and up to 50% DTI
Up to 80% LTV
Eligible for primary and second homes for purchases, rate/term and cash-out refinances
One appraisal required for loans up to $1.5M*
Two appraisals from two different appraisers required for loans over $1.5M*
For purchase and rate/term refinances
- For primary purchase loans up to $3M—6-18 months of reserves required
- For second home purchase loans up to $3M —12-18 months of reserves required
For cash-out refinances
- For primary cash-out loans up to $1.5M—12 months of reserves required (up to $250,000 cash back)
- For primary cash-out loans between $1.5M-$2M —15 months of reserves required (up to $500,000 cash back)
- For second home cash-out loans up to $1.5M—12-18 months of reserves required (up to $250,000 cash back)
- For second home cash out loans between up to $1.5M-$2M—18 months of reserves required (up to $500,000 cash back)

*Appraisal waivers are not applicable on Prime Jumbo, Prime Jumbo Released, Prime Jumbo ARMs, Prime Jumbo Interest Only, Prime Jumbo Max and Prime Jumbo Max ARMs.