Specialty Programs

 
Our Specialty programs (also known as Portfolio programs) are specifically designed to help qualified individuals who may not be eligible for other loan programs due to bad credit or low credit requirements. The programs are available for both FHA and VA loans. These unique loan programs can be used to:

  • Lower your interest rate

  • Lower your monthly mortgage payment (By refinancing your existing loan, your total finance charges may be higher over the life of the loan.)

  • Switch into a Fixed-Rate loan program

  • Modify your existing loan term


VA Portfolio Program 
 
In addition to offering reduced credit score requirements, the VA Portfolio program allows for:
 

  • Rate & Term refinances up to 100% of the value of your home

  • Cash-Out refinances up to 100% of the value of your home*

  • Purchase mortgages up to 95% of the value of your home

  • Credit scores down to 500


*Max cash-out of $5,000 for scores below 620. Max cash-out of $25,000 for scores of 620 and above.


 

FHA Portfolio Program 
 
In addition to offering reduced credit score requirements, the FHA Portfolio program allows for:
 

  • Rate & Term refinances up to 90% of the value of your home

  • Cash-Out refinances up to 85% of the value of your home

  • Purchase mortgages up to 90% of the value of your home

  • Credit scores down to 500

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