Programs

FCM/AMB Jumbo ARMs RW

Min. FICO 660 Up to 80% CLTV Maximum Loan Amount $3.5MM

Financing for higher value properties above conforming loan limits

  • 5/6, 7/6, 10/6 ARMs
  • Owner Occupied
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HomeZero DPA Repayable

FHA No First Time Homebuyer Requirement Repayable DPA

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
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FCM/AMB Non-QM Equity Solutions Second

Min. FICO 660 Fixed Rate 2nd Lien

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
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FCM/AMB Home Equity Closed End 2nd

No Mortgage insurance Fixed Rate Up to 85% CLTV

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
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HomeZero Forgivable DPA

Forgivable DPA FHA No First Time Homebuyer Requirement

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
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FCM/AMB Solutions Platinum

Min. FICO 660 Minimum Loan Amount $125K Maximum Loan Amount $3.0MM

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
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FCM/AMB Medical Professional Loan

Financing up to 100% LTV No Mortgage insurance Use of Projected income Fixed Rate ARM Product available

A specialized mortgage program designed for eligible medical professionals purchasing or refinancing a primary residence

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Select QM Jumbo

Min. FICO 660 Up to 90% CLTV No Mortgage insurance Maximum Loan Amount $3.0MM

Financing for higher-value properties above conforming loan limits

  • Fixed rate 30-year term
  • Manual underwriting is required
  • Owner Occupied, Second Home, and Investment
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Select AUS Jumbo

Up to 90% CLTV No Mortgage insurance Maximum Loan Amount $3.5MM

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
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AMB Solutions DSCR

Min. FICO 660 Up to 80% CLTV Minimum Loan Amount $125K Maximum Loan Amount $2.0MM

Alternative income and qualification solutions

  • DSCR – Qualify based on property cash flow and not personal income
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Government Standard

Min. FICO 580

Flexible financing options designed to help more borrowers achieve homeownership

  • FHA
  • VA
  • USDA
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AMB Solutions Foreign Nationals

Minimum Loan amount $150K Min. FICO 680 Maximum Loan Amount $1.0MM Maximum LTV 65%

Alternative income and qualification solutions

  • Foreign Nationals – Financing solutions for non-US residents investing in U.S. real estate
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AMB Solutions Business Bank Statement

Min. FICO 660 Up to 90% CLTV Minimum Loan amount $150K Maximum Loan Amount $3.0MM

Alternative income and qualification solutions

  • Business Bank Statement – Qualify using business cash flow and bank statements
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AMB Solutions Personal Bank Statement

Min. FICO 660 Minimum Loan amount $150K Maximum Loan Amount $3.0MM

Alternative income and qualification solutions

  • Personal Bank Statement – Use personal bank statements to qualify
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AMB Solutions Alt Doc

Min. FICO 660 Up to 90% CLTV Minimum Loan amount $150K Maximum Loan Amount $3.0MM

Alternative income and qualification solutions

  • Alt Doc – Flexible income verification options for non-traditional borrowers
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AMB Solutions Full Doc

Min. FICO 660 Up to 90% CLTV Minimum Loan amount $150K Maximum Loan Amount $3.0MM

Alternative income and qualification solutions

  • Full Doc – Traditional income documentation with expanded lending flexibility
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AMB Jumbo

No Mortgage insurance Fixed Rate Maximum Loan Amount $3.0MM Min. FICO 700 Financing up to 89.99% LTV

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

FICO per AUS

 

An affordable financing option with standard requirements

  • DTI per AUS
  • Minimum down payment 3%
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