• Up to $450,000 max line amount-1st or 2nd position
• Both borrowers minimum mid credit score required 650
• 45% debt to income
• Stand-alone or combo
• 1st positions offered, great for Free & Clear properties
• No Lender Fee HELOC option available
• 1st & 2nd HELOC with fixed interest rate option available after close
• 15 years to draw plus up to 10 more years to repay
• Purchase money available for 2nd position too
• Not allowed-properties listed within 90 days of application date
• 12 month mortgage history required to qualify (no FTHB)
• If loan modification has been done on existing first lien for interest rate and/or amortization period, 2nd mortgage loan or HELOC not allowed to close behind the 1st lien.

Interest only payments available

Cash-out available

Stand-alone mortgage or combo 1st/2nd available

Full doc only

Up to $350,000 in 1st or 2nd position. Can be used as a1st lien equity line of credit

Fixed Rate Option available

We lend in 47 states (no Texas HELOCs)

650+ credit score (fico) required

45% DTI max, ok to pay off debt to qualify