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From conforming agency to in-house portfolio exceptions - every program engineered for
your community price points, documentation realities, and unique borrower profiles.
Four product lines.
25+ programs.
01
Agency
02
Non-Agency Jumbo
03
Non-QM
04
Portfolio
01
Product Line
Agency Programs
Conforming and high-balance Fannie Mae and Freddie Mac programs - the bread-and-butter of the wholesale lending, with HB up to $1.25M in qualifying counties.
Min FICO (Conf)
Min FICO (HB)
Max LTV (Primary 1U)
CA HB Max
620
660
90%
$1,249,125
CF Series
Conforming Fixed
15,20, and 30-year fixed rate conforming loans for primary residences, second homes, and investment properties
MIN FICO
620
MAX LTV
95%
LOAN TERM
15-30 yr
HB-CF SERIES
High Balance Fixed
Fixed-rate HB loans up to California county limits ($1,249,125 in qualifying counties for 2026).
MIN FICO
660
MAX LTV
90%
LOAN TERM
$1.25M
CALHFA & FHA
First-Time Homebuyer Programs
CalHFA Conventional and FHA programs available for income-qualified borrowers — including down payment assistance overlays. Ask your AE about specific guidelines and approved DPA layering.
MIN FICO
660
MAX LTV
90%
LOAN TERM
$1.25M
CA Series
Conforming ARM
5/6, 7/6, and 10/6 SOFR-indexed adjustable rate mortgages for borrowers seeking lower initial payments.
MIN FICO
620
MAX LTV
90%
LOAN TERM
5/7/10 yr
HB-CA SERIES
High Balance ARM
Adjustable-rate HB loans for higher-priced California markets seeking ARM pricing efficiency.
MIN FICO
680
MAX LTV
85%
LOAN TERM
SOFR
Product Line
02
Non-Agency Jumbo
Prime and AUS Jumbo programs for California's high-value markets. Two distinct underwriting paths — Prime for tight credit profiles, AUS for streamlined documentation.
Min Loan Amount
Max Loan Amount
Min FICO (AUS)
Min FICO (Prime)
Max LTV
$832,751
$3,000,000
720
80%
700
CT300 SERIES
Prime Jumbo Fixed
Tightest pricing program — full documentation, manual underwriting. Best for borrowers with strong credit profiles seeking lowest jumbo rates.
MIN FICO
720
MAX LTV
80%
LOAN TERM
12 mo
PM300 SERIES
AUS Jumbo Fixed
DU-driven jumbo program with streamlined documentation requirements. Faster turn times for clean files.
MIN FICO
700
MAX LTV
80%
LOAN TERM
DU AUS
CT500 SERIES
Prime Jumbo ARM
Same Prime program on a 5/6, 7/6, or 10/6 ARM structure. Pricing efficiency for borrowers comfortable with rate adjustment risk.
MIN FICO
720
MAX LTV
80%
LOAN TERM
5/7/10 yr
PM500 SERIES
AUS Jumbo ARM
AUS jumbo on 5/6, 7/6, 10/6 ARM structure. Combines AUS efficiency with ARM pricing.
MIN FICO
700
MAX LTV
80%
LOAN TERM
9 mo
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