Fixed Payment Rate for 5 Years-2.875% to 3.875%
                        (Depending on LTV)

• 90% LTV Purchase or Rate/Term Refinance with "680" credit score.
• 80% LTV unlimited "cash-out" refinance with "680" credit score.
• 80% LTV NIV Purchase or Rate/Term refinance with "700" credit score.
• 75% LTV NIV unlimited "cash-out" refinance with a "680" credit score.
• No seasoning on cash-out refinance.
• Only 2 months PITI required for reserves for full doc.
• Only 6 months PITI required for reserves for NIV.
• There is a 1 year pre-payment penalty
• Primary Residence. Rates are different for second homes and investment property.

Call us at 800-803-8008 for Today's Rate and specific requirements.