geiner lopez
Minimum FICO Score: 620*
Eligible Properties: Primary, Second, and Investment Properties
Loan Amounts: Up to county loan limits (with High Balance option available)
Flexible Financing (LTV): Up to 97% for Purchase and Rate/Term Refinances
Cash-Out Refinance: Available up to 80% LTV (Primary Home) and 75% LTV (Second Home/ Investment)
Other Options: Temporary Rate Buydowns available, and eligible for manufactured homes, condos, PUDs, and One-Time Close New Construction loans
Minimum Out-of-Pocket: Borrower contributes only 1% down
Assistance Included: UWM pays the lesser of 2% or $7,000 of the down payment
Maximum LTV: Must have 97% LTV (Purchase only)
FICO Requirement: 620*
Loan Limits: Up to standard conforming loan limits
Additional Options: Temporary Rate Buydowns are available
This product follows Home Possible and HomeReady guidelines
Maximum Cash-Out: LTV up to 89.99% (near 90%)
Key Benefit: NO Mortgage Insurance (MI) required
Property Type: Primary Residence only
FICO Requirement: 680+
Loan Limits: Up to standard conforming loan limits
Term: 30-year fixed only
Seasoning: Only 6 months required if paying off the first lien
Max DTI: Up to 50% (as determined by DU/LPA)
Best Rates/Pricing: Highly competitive rates tailored for high-quality borrowers
Minimum FICO & LTV: 700+ FICO, up to 80% LTV
Eligible Properties: Primary, Second, and Investment Homes
Waivers Honored: Appraisal Waivers are accepted
Loan Amounts: From $125,000 up to standard or High Balance county loan limits
Options: Available on manufactured homes, condos, and PUDs
Additional Feature: Temporary Rate Buydowns are available
Low MI Rates: Access to some of the lowest mortgage insurance rates in the industry
Minimal Requirements: Starts at 620* FICO
Simplified Process: No overlays and no adjustments for DTI or number of borrowers
Speed & Efficiency: MI Certificate received in minutes, not days, speeding up the overall loan process
Goal: Deliver a lower overall monthly payment for the borrower
Loan Amounts: From $806,500 up to county loan limits
High Financing: LTVs as high as 90%
FICO Requirement: 620*
Property Types: Available on condos, PUDs, and One-Time Close New Construction loans
Additional Feature: Temporary Rate Buydowns are available
conventional ELITE high balance
Best Pricing: Access to the most competitive highbalance rates in the market
FICO & LTV: 700+ FICO, up to 80% LTV
Loan Amounts: From $803,500 up to county loan limits
Streamlined Process: Appraisal Waivers honored, and loans underwritten to AUS findings
Support: Direct access to underwriting and awardwinning technology
Options: Available on condos and PUDs
Additional Feature: Temporary Rate Buydowns are available
conventional ARM’S 5, 7 & 1O YEARS
Terms: 5-, 7-, and 10-year options available
Property Eligibility: Primary, Second, and Investment Properties
Transaction Types: Purchase, Rate/Term Refinance, and Cash-Out Refinance
Additional Option: Temporary Rate Buydowns are available
Exclusion: Not available on manufactured homes
Note: One-Time Close New Construction loans are available for 7 and 10-year ARMs in the Standard and High Balance tiers
conventional HOME ONE®
Target Audience: At least one borrower must be a First-Time Homebuyer
Low Down Payment: Minimum 97% CLTV (3% down)
Income Flexibility: No income restrictions
Property Types: Eligible for single-family homes, townhouses, and condos
Location: Available in all geographic locations
CLTV Options: Up to 105% CLTV if using an eligible Community Second mortgage
Low Down Payment: Purchases and Refinances (FNMA serviced) up to 97% LTV
Reduced Cost: Features Reduced Mortgage Insurance (MI)
Income Limits: Income must be up to 80% of the Area Median Income (AMI)
Pricing Incentive: First-Time Homebuyers (FTHB) at or below 50% AMI receive a $2,500 pricing incentive
Down Payment Flexibility: Gift funds are eligible for the entire down payment
Loan Limits: High Balance is available
Property Types: Includes single- and multi-wide manufactured homes (up to 95% LTV), condos, and PUDs Additional Feature: Temporary Rate Buydowns are available
Max LTV: Up to 97% LTV for Purchases and Refinances (regardless of current program)
Broad Eligibility: Available for First-Time Buyers, move-up borrowers, and retirees
FICO Requirement: 620*
Income Limits: Income must be up to 80% of the Area Median Income (AMI)
Incentive: First-Time Homebuyers at or below 50%
AMI receive a $2,500 pricing incentive
Property Types: Includes single- and multi-wide manufactured homes, condos, and PUDs
Loan Limits: High Balance is available
Additional Feature: Temporary Rate Buydowns are available
Primary Goal: Must result in a reduction in the monthly mortgage payment (P&I + MI)
Income Limit: Income must be at or below 100% of the Area Median Income (AMI)
FICO & DTI: 620* FICO, up to 65% DTI
Max LTV: Up to 97% LTV (on 30-year fixed loans)
Appraisal Credit: Eligible for a $500 credit from Freddie Mac if an appraisal is obtained
Property Types: Available on single- and multi-wide manufactured homes, condos, and PUDs
Eligibility: Loan must currently be a conventional loan owned or securitized by Freddie Mac
Primary Goal: Must result in a reduction in the monthly mortgage payment (P&I + MI)
Income Limit: Income must be at or below 100% of the Area Median Income (AMI)
FICO & DTI: 620* FICO, up to 65% DTI
Max LTV: Up to 97% LTV (on 30-year fixed loans)
Appraisal Credit: Eligible for a $500 credit from Fannie Mae if an appraisal is obtained
Eligibility: Loan must currently be a conventional Primary Residence Rate/Term Refinance owned or securitized by Fannie Mae
Property Types: Available on single- and multiwide manufactured homes, condos, and PUDs
Fast Approval: Quick and easy condo approvals using the Limited Review process
Simplified Documentation: No condo questionnaire required
Availability: Available in all 50 states
Rate Options: Lender and seller paid Temporary
Rate Buydowns are available
Zero Monthly MI: Eliminate the monthly Mortgage Insurance payment
Payment Flexibility: Both Financed and NonFinanced options available for the premium
Low Down Payment: Down payments as low as 3%
Closing Cost Advantage: Use a premium credit or seller contributions to offset closing fees and simplify the payment structure
Goal: Achieve a low rate and payment while qualifying clients for their dream home
Hybrid Payment: Combines a single upfront premium with a reduced monthly MI payment
High LTV: Financing available up to 95% LTV
Split 50 Feature: Upfront premium starts at only 50 basis points (0.50%)
Split 100 Option: Provides an attractive alternative to FHA financing
Process: Loans underwritten to AUS findings
fha (Federal Housing Administration)
Low FICO: Starts at 580+ FICO
Low Down Payment: Financing up to 97.75% LTV
Transaction Types: Primary Purchase, Rate/Term Refinance, and Cash-Out Refinance
Property Types: Available on single- and multi-wide manufactured homes
Loan Limits: Includes Jumbo options starting at $1 over the conforming limit, up to the FHA Mortgage Limit
Best Pricing: Access to industry-leading FHA rates and pricing
Minimum FICO: Starts at 640+ FICO
Property Type: Single-family primary residences.
Loan Terms: All fixed-term mortgages
Loan Amounts: From $125,000 up to county loan limits
Property Eligibility: Available on single- and multiwide homes, condos, and PUDs
Additional Feature: Temporary Rate Buydowns are available
No Appraisal Needed: Refinance with no appraisal or AVM required.
Low FICO: Starts at 580+ FICO.
Interest Flexibility: Up to 60 days of interest allowed.
Property Types: Available on single- and multi-wide manufactured homes, condos, and PUDs.
Waivers:
Buydowns:
VA LOANS (VETERAN AFFAIRS)
100% Financing: Up to 100% LTV financing (Zero Down Payment)
Low FICO: Starts at 580+ FICO
Loan Limits: Loans up to $4 Million
Transaction Types: Purchase and Cash-Out
Refinance
Residence: Single-family primary residence only
Flexibility: Escrow waivers permitted up to 100% LTV
Property Types: Available on single/multi-wide manufactured homes, condos, PUDs, and One-Time
Close New Construction
Term: Fixed term only
Additional Feature: Temporary Rate Buydowns are available
Best Pricing: Access to industry-leading VA rates and pricing
Minimum FICO: Starts at 640+ FICO
Financing: Up to 100% LTV (Zero Down Payment)
Loan Limits: Standard limits starting from $125,000, including a Jumbo option up to $4 Million
Transaction Types: Purchase and Cash-Out Refinance
Residence: Single-family primary residence only (Fixed term only)
Flexibility: Escrow waivers permitted up to 100% LTV
Property Types: Available on single/multi-wide homes, condos, and PUDs
Additional Feature: Temporary Rate Buydowns are available
Primary Goal: Reduce the borrower's current VA loan interest rate
No Appraisal: No appraisal is required for this refinance
LTV Flexibility: Unlimited LTV (loan-to-value)
High Limits: Loans available up to $4 Million
Property Use: Primary, Second, and Investment Properties are eligible
Property Types: Available on single- and multi-wide homes, condos, and PUDs
Residence: Primarily for Primary Residences (See
Buydowns: Temporary Rate Buydowns are not available
USDA
Zero Down Payment: 100% Financing available; no down payment required
No Reserves: No cash reserves are needed
FICO: Starts at 620* FICO (Elite pricing starts at 640+)
Financing: 30-year fixed rate
Cost Flexibility: Closing costs may be financed on some transactions; seller contributions allowed
Process: Smooth, quick process with fast turn times and direct underwriter access
Property Types: Available on single- and multi-wide homes, condos, and PUDs (in eligible rural areas)
Eligibility Check: Use the USDA Rural Development
Eligibility site to determine property and income compliance
HELOC
PIGGYBACK HELOC PINK 30 YEAR
Max CLTV: Up to 85% CLTV (Combined Loan-toValue)
FICO & DTI: 680+ FICO, up to 50% DTI
Loan Amount: Lines up to $500,000 (Minimum $20,000 line)
Draw Period: Flexible 3- and 5-year draw periods
Appraisal Waiver: Accepted for lines up to $400,000 with an approved AVM
Versatility: Available on all transaction types (Purchase, Refinance, etc.)
Property Eligibility: Available for Primary, Second, and Investment Homes
Max CLTV: Up to 85% CLTV
FICO & DTI: 680+ FICO, up to 50% DTI
Loan Amount: Lines up to $500,000 (Minimum $25,000 line)
Draw Period: Flexible 3- and 5-year draw periods
Appraisal: Appraisal required (Exterior-Only/Full Appraisal depending on line amount)
Term: Available in 20 and 30-year terms
Accessible FICO: Starts at 640+ FICO
Property Eligibility: Available for Primary, Second, and Investment Homes
Max CLTV: Up to 85% CLTV
Loan Amount: Lines up to $500,000 (Minimum $25,000 line)
Draw Period: Flexible 3- and 5-year draw periods
Valuation: Flexible valuation options (BPO, Desktop, Full Appraisal) for loans up to $250,000
Term: Available in 20 and 30-year terms
bank statement
bank statement fixed - blue
Target Audience: Self-Employed Borrowers only
FICO & LTV: 620+ FICO with LTVs up to 90%
Loan Amounts: From $100,000 up to $3 Million
Income Verification: Based on 12 consecutive months of bank statements
Transaction Types: Purchase, Rate/Term, and Cash-Out
Refinances on Primary, Second, and Investment properties
Reserves: Minimum 6 to 9 months of reserves required based on loan amount
Appraisal Requirement: Two appraisals required for loans over $1.5 Million
Target Audience: Self-Employed Borrowers only
FICO & LTV: 620+ FICO with LTVs up to 90%
Loan Amounts: Up to $3 Million
Income Verification: Based on 12 consecutive months of bank statements
Transaction Types: Purchase, Rate/Term, and CashOut Refinances on Primary, Second, and Investment properties
Reserve Flexibility: Minimum reserves start at 6 months (for primary loans ≤$1.5M)
Appraisal Requirement: Two appraisals required for loan amounts over $2 Million
Target Audience: At least one borrower must be Self-Employed
Credit Flexibility: NO minimum tradeline requirements
FICO & LTV: 660+ FICO with LTVs up to 85%
Loan Amounts: Up to $3 Million
Income Verification: Based on 12 consecutive months of bank statements
Transaction Types: Purchase, Rate/Term, and CashOut Refinances on Primary, Second, and Investment properties
Reserves: Minimum 6 to 9 months of reserves required based on loan amount
Appraisal Requirement: Two appraisals required for loan amounts over $1.5 Million.
Target Audience: Self-Employed Borrowers only
Max DTI: Up to 55% DTI
Loan Amounts: From $100,000 up to $3.5 Million
FICO & LTV: 660+ FICO with LTVs up to 90%
Transaction Types: Purchase, Rate/Term, and CashOut Refinances on Primary, Second, and Investment properties
Income Verification: Based on 12 consecutive months of bank statements
Reserves: Flexible tiers starting at 6 months of reserves required based on loan amount
Additional Feature: Temporary Rate Buydowns eligible
Appraisal: Two appraisals required for loan amounts over $2 Million
investor flex
investor flex fixed - yellow
Property Focus: Investment Purchases, Rate/Term, and Cash-Out Refinances
Property Limits: Finance up to 20 Properties
Minimum DSCR: Minimum Debt Service Coverage Ratio (DSCR) of 0.00
FICO & LTV: 640+ FICO up to 80% LTV
Loan Amounts: Up to $2 Million
Entity Eligibility: Eligible to close in an LLC (Limited Liability Company)
Pre-Payment: Pre-Payment Penalty options available (3/2/1, 2/1, 1/1)
Reserves: Minimum 6 months' reserves required
Gifts: Gift funds are allowed up to 10% (depending on LTV)
Investment Focus: Investment Purchases, Rate/Term, and Cash-Out Refinances
Cash Flow Requirement: Minimum Debt Service
Coverage Ratio (DSCR) of 1.00
Portfolio Limit: No limit on the number of financed properties
FICO & LTV: 660+ FICO up to 80% LTV
Loan Amounts: From $50,000 up to $3 Million
Reserves: Minimum 3 months' reserves required
Entity Eligibility: Eligible to close in an LLC (Limited Liability Company)
Pre-Payment: Pre-Payment Penalty options available (3/2/1, 2/1, 1/1)
Down Payment: Flexible borrower contribution requirements (depending on LTV)
Cash Flow Focus: Minimum Debt Service Coverage Ratio (DSCR) of 0.00
FICO & LTV: 660+ FICO up to 80% LTV
Loan Amounts: From $75,000 up to $2 Million
Portfolio Limit: Finance up to 20 Properties
Reserve Flexibility: Minimum reserves start at 3 months (6 months for loans >$500,000)
Entity Eligibility: Eligible to close in an LLC (Limited Liability Company)
Pre-Payment: Pre-Payment Penalty options available (3/2/1, 2/1, 1/1)
Down Payment: Flexible borrower contribution requirements (depending on LTV)
Accessible Cash Flow: Minimum DSCR of 0.80
FICO & LTV: 660+ FICO up to 80% LTV
Loan Amounts: From $100,000 up to $3 Million
Portfolio Limit: Finance up to 20 Properties
Reserves: Minimum 3 months' reserves required
Gift Funds: Use of gift funds is NOT allowed
Entity Eligibility: Eligible to close in an LLC (Limited Liability Company)
Pre-Payment: Pre-Payment Penalty options available (3/2/1, 2/1, 1/1)
Appraisal: Two appraisals required for loans over $1.5 Million
ONE-TIME CLOSE NEW CONSTRUCTION LOANS
Duration: 1-, 2-, and 3-year buydown options available
Eligible Transactions: Purchase and Rate/Term Refinances
Property Type: Primary and Second Homes
Broad Eligibility: Available on:
1. Conventional: 15/30-Year Fixed and ARM Loans.
2. FHA & VA: 15/30-Year Fixed Loans (Primary only).
3. Jumbo: Blue, Pink, and Yellow 30-Year Fixed Loans.
4. Inclusion: Eligible on manufactured homes.
jumbo
jumbo 30-year fixed - purple
Loan Amounts: Starting $1 over the conforming limit, up to $3 Million
Max CLTV: Up to 89.99% CLTV (near 90%)
FICO & DTI: 700+ FICO, up to 50% DTI
Property Eligibility: Primary, Second, and Investment properties
Transaction Types: Purchase and Rate/Term Refinances (CashOut available on Primary/Second homes)
Reserves: Required reserves vary by property and loan amount (6 to 12 months minimum)
Appraisal Requirement: Two appraisals required for loans over $2 Million
Process: DU only
Exclusion: Temporary Rate Buydowns are not permitted.
Loan Amounts: Starting $1 over the conforming limit, up to $3 Million
Accessible FICO: Starts at 660+ FICO
Max CLTV: Up to 89.99% CLTV (near 90%)
Transaction Types: Purchase, Rate/Term, and Cash-Out
Refinances on Primary, Second, and Investment properties
Reserves: Required reserves vary by property and loan amount (6 to 12 months minimum), with additional reserves needed for loans >$2M
Appraisal Requirement: Two appraisals required for refinance loans over $2 Million
Additional Feature: Temporary Rate Buydowns eligible on primary and second home purchases
DTI: Up to 50% DTI
Highest Loan Limit: Up to $3.5 Million
Premium FICO: Starts at 720+ FICO
Max CLTV: Up to 80% CLTV
Property Eligibility: Primary and Second Homes only
Transaction Types: Purchase, Rate/Term Refinance, and Cash-Out Refinance
Reserves: Required reserves vary by loan amount, with 24 months required for primary purchases over $2M
Appraisal Requirement: Two appraisals required for loans over $2 Million
Exclusion: Temporary Rate Buydowns are not permitted
Highest Loan Limit: Up to $5 Million (Purchase and Rate/ Term Refinance)
Accessible FICO: Starts at 660+ FICO
Max LTV: Up to 89.99% LTV (near 90%)
Exclusive Servicing: Borrower solicitation protection as UWM services these loans exclusively
Transaction Types: Purchase, Rate/Term, and Cash-Out Refinances on Primary, Second, and Investment properties (Cash-Out up to $3M)
Reserves: Required reserves determined by AUS findings, with additional 6 months required for loans >$2M
Appraisal Requirement: Two appraisals required for loans over $2 Million
Additional Feature: Temporary Rate Buydowns eligible on primary and second home purchases
DTI: Up to 50% DTI
Loan Amounts: From $400,000 up to $3.5 Million
Max LTV: Up to 90% LTV
Accessible FICO: Starts at 660+ FICO
Transaction Types: Purchase, Rate/Term, and Cash-Out
Refinances on Primary, Second, and Investment properties
Reserves: Required reserves are tiered based on loan amount, with additional months required for loans >$2M
Appraisal Requirement: Two appraisals required for loans over $2 Million
Additional Feature: Temporary Rate Buydowns eligible on primary and second home purchases
DTI: Up to 50% DTI
Premium FICO: Starts at 700+ FICO
Max Loan Amount: Up to $3 Million
Max LTV/DTI: Up to 80% LTV and 45% DTI
Property Eligibility: Primary Residence only
Transaction Types: Purchase, Rate/Term Refinance, and Cash-Out Refinance
Process: Reserves determined by DU/LPA findings
Exclusions: Appraisal waivers and Temporary Rate Buydowns are not permitted
Loan Amounts: Up to $5 Million
Max LTV: Up to 80% LTV
FICO & DTI: 680+ FICO and up to 45% DTI
Property Eligibility: Primary, Second, and Investment Properties
Transaction Types: Purchase, Rate/Term Refinance, and Cash-Out Refinance
Appraisal Requirement: Simplified appraisal requirements (one appraisal for purchases up to $3M and refinances up to $2M)
Reserves: Loans over $2M require 18 months of reserves in addition to AUS requirements
Payment Structure: 10-Year Interest-Only period, followed by a 20-year amortization
Loan Amounts: Up to $5 Million
Max LTV: Up to 80% LTV
FICO & DTI: 700+ FICO and up to 43% DTI
Property Eligibility: Primary and Second Homes only
Transaction Types: Purchase and Rate/Term Refinance
Reserves: Required reserves are substantial, ranging from 12 to 24 months (in addition to AUS requirements), depending on the loan amount
Appraisal Requirement: Simplified appraisal for smaller loans, two required for refinances over $2M
Accessible FICO/DTI: Starts at 660+ FICO with DTI up to 50%
Loan Amounts: Up to $3 Million
Max LTV: Up to 80% LTV
Property Eligibility: Primary and Second Homes only
Transaction Types: Purchase, Rate/Term Refinance, and Cash-Out Refinance
Cash-Out Max: Up to $500,000 cash back depending on loan amount
Reserves: Required reserves are tiered based on property and transaction (ranging from 6 to 18 months)
Appraisal Requirement: One appraisal required for loans ≤$1.5M; two required for loans >$1.5M
