Loan Products

CONVENTIONAL

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  • Purchase
  • Refinance
  • Primary Home / 2nd Home/ Investment
  • Credit scores down to 620
  • SFR/Condo
  • 2-4 Units
  • Up to 97%

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VA PURCHASE – 100%

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  • No Downpayment
  • No Mortgage Insurance
  • Loan Amounts to $417,000.00
  • 1-4 Unit Properties
  • Condos – (VA Approved)
  • PUD’s

Seller can pay all closing costs & discount points. Other seller contributions allowed up to 4%.

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FHA PURCHASE – 96.5%

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  • 3.5% Downpayment
  • Gift Money Allowed
  • Credit Scores Down to 580
  • Non-Occupant Co-Borrowers
  • 1-4 Unit Properties
  • Site Condos
  • Condos – (FHA Approved)
  • PUD’s
  • Manufactured (Double-wide)

Seller can pay up to 6% in closing costs and prepaids.

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100% USDA PURCHASE/ RURAL HOUSING

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  • No Downpayment
  • Loan Amounts to $417,000.00
  • Credit Scores Down to 620
  • Low Monthly Mortgage Insurance
  • Difference of Appraised Value and Purchase Price Can Be Used for Closing Costs
  • Gift Money Allowed
  • 1 Unit Properties
  • Condos
  • PUD’s

Seller can pay up to 6% in closing costs and prepaids.
(Longs, Loris, Conway – all rural)

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SC HOUSING – $4,000 DPA

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  • $4,000 Downpayment Assistance
  • First-Time Homebuyer Program
  • Single Parent Program, & Disability Program
  • Credit Scores Down to 640
  • Gift Money Allowed
  • 1-Unit Properties
  • Condos – (FHA Approved)
  • PUD’s

Seller can pay up to 6% in closing costs and Prepaids

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UP TO 97% PURCHASE

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  • 3% Downpayment
  • Loan Amounts to $417,000.00
  • Credit Scores Down to 620
  • (Depends on LTV)
  • First Time Homebuyer
  • Teacher, Public Safety Worker, Healthcare Worker, or Military Personnel
  • 1-4 Unit Properties
  • Condos
  • PUD’s

Seller can pay 3% – 9% in closing costs (based on LTV)

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SECOND HOMES – 90%

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  • 10% Downpayment
  • Loan Amounts to $417,000.00
  • Credit Scores down to 620
  • 1 Unit Properties
  • Condos
  • PUD’s
  • Fixed or Adjustable Rates
  • No Pre-Payment Penalties

Seller can pay up to 6% in closing costs.

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MULTIPLE PROPERTY (5-10 financed properties)

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  • Loan Amounts to $417,000.00
  • Credit Scores Down to 720
  • 1-2 Unit Properties
  • Condos
  • PUD’s

-Primary Residence up to 95%
-Second Homes up to 75%
(Seller can pay 9% closing cost)
-Investment up to 75%
(Seller can pay 2% closing cost)

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FANNIE MAE HOMEPATH

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  • 3% Downpayment (on Primary)
  • Loan Amounts to $417,000.00
  • Credit Scores Down to 620 (Depends on Residence & LTV)
  • No Appraisal Required
  • No Mortgage Insurance
  • 1-4 Unit Properties
  • Condo’s
  • PCD’s
  • Primary Residence – up to 97%
  • Second Home – up to 90%
  • Investment – up to 85%

All properties must be designated by Fannie Mae on the www.homepath.com website as eligible for HomePath financing.

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FHA 203(K) PROGRAM (Purchase + Renovate)

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  • 3.5% Downpayment
  • Loan Amount is Based on 96.5% Purchase Price + Up to $535,000.00 in Repairs
  • Credit Scores Down to 620
  • 1-2 Unit Properties
  • PUD’s
  • Manufactured (Double-Wide)

Up to $35,000.00 in discretionary improvements and/or repairs. Cannot use for major rehabilitation or structural repairs.

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JUMBO / SUPER JUMBO

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  • Up to 90% LRV on Primary
  • Up to 80% LTV on Second Home
  • No Mortgage Insurance
  • Fixed, ARMs & I/O Available
  • Single Family Residence
  • Duplex
  • Townhomes
  • Modular
  • Condo
  • 2-Flats
  • Rowhomes

1st/2nd combos available on some products

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2013 NEW CONDOTEL FINANCING

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  • Arm: 3/1, 5/1, & 7/1
  • Purchase, R & T, and C/O Refinance
  • Full documentation only
  • Mininum credit score is 680
  • Maximum debt to income ratio is 40%
  • Must own a primary residence
  • 75% LTV
  • $500, 000 Maximum loan amount
  • $75, 000 Minimum loan amount
  • Full kitchen and separate bedroom
  • No efficiency
  • Reserves: 3 months PITI on all properties owned after down payment and closing costs
  • Reserves can be retirement funds
  • Have 5 trade lines and 3 active on credit
  • Self-employed needs 2 years of personal and business returns (all schedules)
  • Rental income is allowed on 2nd homes
  • All questionnaire must be fully completed
  • Large percentage of investor concentration, commercial use, and time shares in complex is acceptable.

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Have A 500 Credit Score?  We have a program for you

Learn more here.