Resources
Programs
FCM/AMB Jumbo ARMs RW
Financing for higher value properties above conforming loan limits
- 5/6, 7/6, 10/6 ARMs
- Owner Occupied
HomeZero DPA Repayable
HomeZero combined FHA financing to help make homeownership more affordable
- 3.5% and 5% Second Mortgage DPA
- Due and payable in 10 years
- Note rate is 2% greater than rate on 1st
FCM/AMB Non-QM Equity Solutions Second
Unlock your home’s equity with flexible second mortgage options
- Loan amounts up to $850,000
- 10, 15 ,20 and 30-year fixed rate options
- 30/15 and 40/15 balloon terms
- Full doc, bank statement 12 & 24 months, WVOE and P&L available
FCM/AMB Home Equity Closed End 2nd
Use your home’s equity for cash-out, debt consolidation and home improvement needs
- Must meet Fannie Mae and Freddie Mac guidelines
- Access up to $500,000 loan amount
- Owner-occupied, Second Homes, and Investment properties
HomeZero Forgivable DPA
HomeZero combines FHA financing to help make homeownership more affordable
- 3.5% Second Mortgage DPA
- Forgivable after 3 years
- Note rate is 0% with no payment for life of loan
FCM/AMB Solutions Platinum
More ways to qualify with flexible documentation
- DSCR and Alt Doc
- 30 Year Fixed, 30 Year Fixed, 10 Year Interest Only, and 40 Year Fixed 10 Year Interest Only
FCM/AMB Medical Professional Loan
A specialized mortgage program designed for eligible medical professionals purchasing or refinancing a primary residence
Select QM Jumbo
Financing for higher-value properties above conforming loan limits
- Fixed rate 30-year term
- Manual underwriting is required
- Owner Occupied, Second Home, and Investment
Select AUS Jumbo
Financing for higher value properties above conforming loan limits
- Fixed rate 30 years
- AUS approval required
- Owner-occupied, Second Home, and Investment property
- No exceptions allowed
AMB Solutions DSCR
Alternative income and qualification solutions
- DSCR – Qualify based on property cash flow and not personal income
Government Standard
Flexible financing options designed to help more borrowers achieve homeownership
- FHA
- VA
- USDA
AMB Solutions Foreign Nationals
Alternative income and qualification solutions
- Foreign Nationals – Financing solutions for non-US residents investing in U.S. real estate
AMB Solutions Business Bank Statement
Alternative income and qualification solutions
- Business Bank Statement – Qualify using business cash flow and bank statements
AMB Solutions Personal Bank Statement
Alternative income and qualification solutions
- Personal Bank Statement – Use personal bank statements to qualify
AMB Solutions Alt Doc
Alternative income and qualification solutions
- Alt Doc – Flexible income verification options for non-traditional borrowers
AMB Solutions Full Doc
Alternative income and qualification solutions
- Full Doc – Traditional income documentation with expanded lending flexibility
AMB Jumbo
Financing for higher value properties above conforming loan limits
- Fixed 15 and 30 year terms
- Owner Occupied, 2nd Home and Investment
- Up to 50% DTI
Conventional Standard
An affordable financing option with standard requirements
- DTI per AUS
- Minimum down payment 3%


