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Expanded Access – If you have had difficulty obtaining mortgage financing for a home, 2nd home, or investment property due to complex income, self-employment income, a recent credit event or financial hardship, the Expanded Access program is the solution.

You may be able to qualify for financing in as little as one year after a bankruptcy. We can help you get a home loan up to $2M on an owner- occupied property. We can help you get qualified for purchasing home with flexible income documentation requirements. Our interest only ARM products are great if you are interested in a lower monthly payment for an initial period of time.

Asset Inclusion Program

This mortgage program is for buyers who have high assets, but an unsteady monthly income. With the Asset Inclusion Loan Program, buyers can factor in the assets they If you have high-net worth and have been rejected by other lenders, we have an alternative to help get you qualified for a home purchase up to $1.5 million have remaining – after their down payment* and closing costs – as sources of qualifying income.

STaR Loan Program

A mortgage program dedicated to saving our selfless teachers, first responders and correctional officers a little money on their home loans. Current full-time employed teachers, police, firefighters, and correctional officers are eligible for our STaR program, which makes the process of obtaining a mortgage a little bit easier. Key features include a reduction in your lending fees by $500 as our way of saying thanks for all you do for the community.

The STaR program makes it a little bit easier for you to obtain a mortgage by providing down payment assistance options to give you more purchase power and reduce your out-of-pocket expenses. With the lender paid mortgage insurance option, you can also reduce your monthly
mortgage payment. You can also take advantage of a float-down option if rates go down prior to signing loan documents.

Home Possible Advantage Program

If you are looking to purchase a home with a low down payment and flexible sources of funds, our Freddie Mac Home Possible Advantage offers the most flexibility for maximum financing. Now you can buy a home with only 3 percent down and with flexible sources of funds, including down payment assistance programs. This loan program gives you the most flexibility for maximum FHA financing.


The Section 184 Indian Home Loan Guarantee Program is a home mortgage product specifically designed for American Indian and Alaska Native families, Alaska villages, tribes, or tribally designated housing entities. Congress established this program in 1992 to facilitate homeownership and increase access to capital in Native American Communities. With Section 184 financing borrowers can get into a home with a low down payment and flexible underwriting. Section 184 loans can be used, both on and off native lands, for new construction, rehabilitation, purchase of an existing home, or refinance.

Bridge Loans

Our Bridge Loan programs can help you purchase a new home before your existing home is sold, or you just need a little extra time or flexibility in selling your current home. We can help you leverage the equity from your current home (that is a pending sale) and use
the funds to purchase a new home. If a seller is unwilling to consider offers with sales contingencies, you can close with confidence through our bridge loan program to present the strongest offer. If a seller is unwilling to consider offers with sales contingencies, we have two programs to choose from:

Close with Confidence Bridge Loan: This loan program is designed for borrowers who are in contract for the sale of their existing property and want to make an offer on another property without a sales contingency. Under this program, the borrower can take the equity from their current home (that is a pending sale) and use the funds to purchase a new home. Provided the borrower has an executed sales agreement for the departing residence, without contingencies, the borrower can omit any liabilities connected to the departing residence when qualifying for the new home purchase.
Debt Inclusive Bridge Loan: This loan program is designed for borrowers who want to take equity from their current home that is listed for sale and use the funds to purchase another home. All of the debts for the departing residence including any payments on the bridge loan (if any are required) are factored into the borrower’s total DTI when purchasing the new home.

Client Resources

Home Buyer Guide, The Loan Process, Mortgage Glossary, Loan Information & More…
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